Underwritten by United of Omaha Life Insurance Company (or Mutual of Omaha Insurance Company in New York), Mutual of Omaha’s “Disability Income Choice Portfolio” offers long-term disability coverage. A long-term disability insurance policy with Mutual of Omaha should pay you a monthly benefit if you are unable to work due to a disabling accident injury or illness.
Mutual of Omaha disability claim denials are not uncommon. Like most insurance companies, Mutual of Omaha does not always approve long-term disability claims when it should. Mutual of Omaha denies a significant number of long-term disability claims.
As a disability insurance attorney, Nick A. Ortiz has helped many clients after Mutual of Omaha denied their claims. If you tried to claim Mutual of Omaha disability insurance benefits and were denied, we can help. Call us at (888) 321-8131 or keep reading for more information.
Mutual of Omaha Disability Insurance Benefits
Long-term disability insurance should provide comprehensive, long-term benefits if a policyholder suffers from a disability caused by an accident or sickness. Some of the benefits included in one of Mutual of Omaha’s base disability insurance policies are:
Short-Term Disability Benefits
Short-term disability income insurance helps protect employees from financial hardship if they’re disabled due to covered illnesses or injuries. Mutual of Omaha will replace a percentage of the insured’s salary once the elimination period (waiting period) has been met, and there is even an option to satisfy the waiting period with either total or partial days of disability.
Once you reach the maximum benefit period of your claim, there should be a seamless transition to total disability or long-term disability if you have both short-term disability and long-term disability insurance with Mutual of Omaha.
Total Disability or Long-Term Disability Benefits
The First 24 Months
If an injury or illness prevents you from performing the duties of your regular job, and you aren’t gainfully employed in another occupation, Mutual of Omaha will pay you a monthly benefit once the elimination period (waiting period) for your claim has been met.
After The First 24 Months
After the first 24 months following the elimination period, if you have not reached your maximum benefit period, Mutual of Omaha will continue to pay a monthly benefit as long as you are unable to perform the duties of any job for which you are reasonably qualified based on education, training, and experience.
Proportionate Disability Benefit
If an injury prevents you from performing the duties of your regular job in the normal time it would take to do them, and your loss of monthly income is at least 20 percent, Mutual of Omaha will pay you a percentage of the total disability monthly benefit proportionate to your loss of income once the elimination period has been met. These benefits are usually payable for up to 24 months.
Background on Mutual of Omaha
Mutual of Omaha has multiple subsidiaries including:
- United of Omaha Life Insurance Company;
- Companion Life Insurance Company;
- United World Life Insurance Company;
- Mutual of Omaha Investor Services, Inc.;
- Continuum Worldwide; and
- Omaha Financial Holdings, Inc.
Mutual of Omaha Disability Claim Denials
If your claim was wrongfully denied or terminated you should request a copy of your claim file and insurance policy immediately. Your policy is the contract that dictates what coverage you are entitled to and your claim file contains all of the medical records and other evidence that was considered during the claim process.
It is important to know what medical evidence was considered so that you can submit any new or previously missing medical records during the appeal process. Obtaining and submitting new evidence during the appeal process is critical to the success of your claim.
ERISA Law
If your claim is governed by the Employee Retirement Income Security Act, a federal law that is also known as ERISA or ERISA law, you will not have the opportunity to submit additional medical evidence to any federal courts. Per ERISA law, the judge will be restricted to the evidence that was contained in a claimants’ file at the time that Mutual of Omaha decided to deny the claim. The administrative appeal process is your last chance to introduce evidence to support your claim.
Hire a Disability Attorney to Help with Your Claim If Mutual of Omaha Denied You Benefits
We represent claimants nationwide from our home office in Florida. Disability lawyer Nick A. Ortiz is an experienced disability insurance attorney that has helped many clients with their long-term disability claims against Mutual of Omaha, as well as many other major insurance companies.
What We Can Do To Help
We have experience in handling ERISA and non-ERISA, bad faith insurance claims. Florida disability attorney Nick A. Ortiz has provided and offers the following legal services for disability claimants that have a long term disability insurance policy or disability income policy purchased from Mutual of Omaha:
- Legal representation in the appeal of denied long-term disability insurance claims with Mutual of Omaha;
- An appeal of cessation of benefits when Mutual of Omaha wrongfully terminates a disability insurance claim that had previously been approved;
- Representation in ERISA disability claims, including an appeal of a Mutual of Omaha denial letter for group long term disability benefits;
- Representation in a Federal lawsuit against Mutual of Omaha for the denial of a long term disability insurance claim; and/or
- Negotiation of a lump-sum buyout or settlement of a Mutual of Omaha disability policy.
Request a Free Consultation with Ortiz Law Firm
Mutual of Omaha’s denial is not the end of your disability claim. You have the right to appeal Mutual of Omaha’s decision to deny your claim, although you only have a limited time to do so. Disability insurance claims often have strict, short deadlines, so it is important that claimants act quickly. For many, the first step is to call a lawyer to request a free consultation.
If your long-term disability claim has been denied you should call the Ortiz Law Firm at (888) 312-8131 for a free consultation to discuss your disability claim. There is no obligation to hire a lawyer at our firm. If you do become a client of the Ortiz Law Firm, our lawyers only get paid if you get paid. There is no cost unless we are able to convince Mutual of Omaha that you are disabled and to reverse the decision to deny your claim. If our lawyers are unsuccessful, then our services are free.
One of our experienced disability lawyers will review the facts of your disability insurance claim and your denial letter from Mutual of Omaha and offer advice on how to fight back against Mutual of Omaha’s disability insurance claim denial, whether it be through the appeal process of filing a lawsuit.
Ortiz Law Firm is not afraid to take on major insurance companies like Mutual of Omaha and our lawyers will fight to make sure every client receives the disability insurance benefits they deserve. Don’t wait any longer – call Ortiz Law Firm today.