Mutual of Omaha will do anything to deny your short-term disability or long-term disability claim. They will pick apart your claim until the circumstances are exactly what they want, then Mutual of Omaha will deny your benefits. You might be newly disabled or you might have been receiving money for years; it does not matter to insurance companies. They will pull any trick in the book to avoid paying you what you deserve.
Have You Received a Letter from Mutual of Omaha Denying Your Disability Claim?
Take a deep breath. This is not the end of the road for your claim. You have options and BenGlassLaw is here to help.
Mutual of Omaha Insurance Company (Mutual of Omaha) is a very large insurance company. They handle thousands of claims like yours every day. Disability insurance should help their claimants, but before all else, they are an insurance company looking out for their profits. If you are unable to work because you are disabled, Mutual of Omaha should pay your benefits. Instead, insurance companies like Mutual of Omaha send denial letters instead.
Bottom Line: It is cheaper for Mutual of Omaha to deny your benefits than it is to pay claimants what they deserve.
What Should You Do if Your Mutual of Omaha Disability Claim Was Denied?
If Mutual of Omaha has denied either your short-term disability or long-term disability claim, call an experienced disability insurance attorney. This is extra important if your claim is under the Employee Retirement Income Security Act (ERISA). If your employer purchased a disability insurance policy from Mutual of Omaha, then your claim is most likely an ERISA claim.
Under ERISA, Mutual of Omaha must follow certain rules. However, ERISA is very difficult to navigate. Mutual of Omaha will want you to believe that you MUST appeal its decision without an attorney. This is not true. You should consult with an attorney who has experience with ERISA before appealing any short-term or long-term disability denial by Mutual of Omaha.
Usually the appeal process for a Mutual of Omaha’s denial of your ERISA disability claim starts like this:
You have 180 days to appeal from the date you received Mutual of Omaha’s denial letter to file your appeal. This is an administrative appeal. This means that someone at Mutual of Omaha will review your appeal and make a decision;
Mutual of Omaha will have 45 days to answer your appeal;
Mutual of Omaha is allowed one 45-day extension.
What Happens if Mutual of Omaha Denies My Appeal?
If Mutual of Omaha decides that they were correct in denying your benefits, then you have one last option. You can file a lawsuit in federal court.
You will want an attorney for this lawsuit as it can be difficult to overturn Mutual of Omaha’s decision. The disability team at BenGlassLaw know how to handle short-term and long-term disability insurance lawsuits, and we will work to overturn Mutual of Omaha’s decision. Mutual of Omaha will try to show that they were right in denying your benefits, but a federal judge will make the final decision. With our help, you will get the closure you deserve.
Your Mutual of Omaha Short or Long-Term Disability Denial Letter
Utilize our Free Denial Letter Review. Our highly experienced team will review your insurance denial letter for free and supply you with a personalized strategy for next steps.
How A Long-Term Disability Lawyer Can Help You
Choosing the right short-term and long-term disability attorney can be crucial to the success of your appeal. Skilled disability attorneys possess the knowledge to build a compelling case, gather essential evidence, and navigate the paperwork and appeals process. Consulting with an experienced attorney can greatly improve your odds of a favorable appeal outcome to get you the disability benefits you deserve.
Many disability attorneys provide free consultations to assess your case and review your policy (this is as easy as filling out our contact form or calling us today for your free consultation). We get paid on contingency fee basis, meaning we only get paid if your appeal is successful, which alleviates the need for upfront costs and eases financial pressure during the process.
To ensure you have the best legal representation for your case, review the long-term disability lawyer’s client testimonials and past results in handling long-term disability denial cases. This decision could be pivotal for your future.
