Mutual of Omaha Disability Claim Denial
There are numerous reasons why a disability claim might be denied, such as a lack of actual medical evidence or reporting, previous denials, or an income level that is too high. The burden of proving that one is legitimately disabled lies entirely on the claimant, not the insurance company. With the absence of proof or other disqualifying means, the insurance company (or benefits provider) can legally deny a claim — here, an experienced and vetted disability insurance claim lawyer can provide assistance.
In this blog, we’ll cover every aspect regarding Mutual of Omaha disability claims: statuses, denials, how to appeal a disability claim denial, and legal options for fighting a denial.
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Mutual of Omaha disability insurance offers members up to 70 percent of their reported income (after submitting a disability claim and being approved for benefits), but not all claims are approved, which is why many people turn to a qualified legal office to help them get the benefits they deserve.
Mutual of Omaha Insurance
Mutual of Omaha disability insurance offerings are available in several different types, including both short-term and long-term. The company’s long-term disability insurance offering, a safeguard in case of an accident, illness, or injury that prevents one from being able to work, is most widely used.
The primary difference between short-term and long-term disability insurance comes down to the length of benefits — if a claim is filed and approved, long-term insurance will provide a monthly payout, whereas short-term disability is typically only applicable for a more defined period of time (e.g., between three to six months). Below is a brief overview of some of the features of Mutual of Omaha disability insurance:
- Flexible options with monthly payouts of up to $12,000
- Coverage for up to two years until age 67
- Dynamic elimination and benefit periods
- Numerous built-in benefits including terminal illness, waiver of premium, guaranteed renewable, and total disability income benefit
- Several optional benefit packages and add-ons for additional coverage
Why does Mutual of Omaha delay claims?
If you are wondering about your Mutual of Omaha disability claim status and feel that the company is delaying your claim’s processing or that denial is imminent, it’s important to review your legal options. In the following section, we cover the steps to take if Mutual of Omaha denies your claim.
What can you do when Mutual of Omaha denies your claim?
Insurance companies rely on “bad faith” in order to deny claims they don’t want to pay. They may attempt to bury you in paperwork until you give up, or they might add loopholes to your insurance that you weren’t aware of. Their desired end result remains the same: your claim not being approved and you struggling to find a method to fight back.
Rondstadt was created for this very reason, to give power back to everyday people and hold large insurance companies accountable for mistreating their customers. Hiring an experienced disability claim denial lawyer is often the deciding factor in successfully receiving your owed benefits and appealing your denial.
Mutual of Omaha appeal process
The Mutual of Omaha disability claim appeal process is similar to other insurance companies’ processes; there are strict standards that must be met when filing an appeal, especially in regard to the timing of your appeal’s submission, which is why it is almost always recommended to hire an experienced long-term disability claim lawyer to manage the process from end-to-end and deliver a strong appeal. Here is a high-level overview of the process:
- You have 180 days from receipt of the denial letter to file an appeal with Mutual of Omaha
- Working with a lawyer, you will draft an appropriate appeal in writing and send it to Mutual of Omaha
- Mutual of Omaha will take up to 45 days to review your appeal (and may file for another 45-day extension)
- Mutual of Omaha will issue their decision
The Types of Cases We Manage
Ronstadt Law Leadership Team
I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.
I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.
Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.
Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.