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Mutual of Omaha’s Disability Income Choice Portfolio, underwritten by United of Omaha Life Insurance Company (or Mutual of Omaha Insurance Company in New York), provides long-term disability insurance. A Mutual of Omaha long-term disability insurance policy is designed to 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 lawyer, Nick Ortiz has helped many clients after Mutual of Omaha wrongfully denied their claims. If you have tried to apply for Mutual of Omaha disability insurance benefits and have been denied, we can help. Call us at (888) 321-8131 to get started.
Mutual of Omaha Disability Insurance Benefits
Long-term disability insurance is designed to provide comprehensive, long-term benefits if a policyholder becomes disabled due to an accident or illness. Some of the benefits included in a basic disability insurance policy from Mutual of Omaha are:
Short-Term Disability Benefits
Short-term disability income insurance helps protect employees from financial hardship if they’re disabled due to a covered illness or injury. Mutual of Omaha will replace a percentage of the insured’s salary once the elimination period (waiting period) has been satisfied, and there is even an option to satisfy the waiting period with either full or partial days of disability.
Once you reach the maximum benefit period for your short-term disability benefits, 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 your regular job duties and you’re not gainfully employed in another occupation, Mutual of Omaha will pay you a monthly benefit once you’ve completed your policy’s elimination period.
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 by education, training, and experience.
Proportionate Disability Benefit
If an injury prevents you from performing the duties of your regular job for the usual amount of time, and your loss of monthly income is 20 percent or more, Mutual of Omaha will pay you a percentage of the total monthly disability benefit proportional to your loss of income once the elimination period has been completed. These benefits are generally payable for up to 24 months.
Background on Mutual of Omaha
Mutual of Omaha has several subsidiaries, including the following:
- 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 has been wrongly denied or terminated, you should immediately request a copy of your claim file and insurance policy. Your policy is the contract that outlines the 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 appeals 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 be able to submit additional medical evidence in federal court. Under ERISA, the judge is limited to the evidence in a claimant’s file if Mutual of Omaha decides to deny the claim. The administrative appeal process is your last chance to submit evidence in support of your claim.
Mutual of Omaha Federal Court Case Summaries
The court cases summarized here are intended to help you understand how federal courts decide ERISA long-term disability claims.
Hire a Disability Lawyer If Mutual of Omaha Denied Your Claim
We represent claimants nationwide from our home office in Florida. Disability Attorney Nick Ortiz is an experienced disability insurance attorney who has helped many clients with their long-term disability claims against Mutual of Omaha and other major insurance companies.
How We Can Help
We have experience in handling ERISA and non-ERISA bad faith insurance claims. Florida Disability Attorney Nick Ortiz has provided and offers the following legal services to disability claimants who have a long-term disability insurance policy or disability income policy purchased from Mutual of Omaha:
- Legal representation in appealing denied long-term disability insurance claims with Mutual of Omaha;
- An appeal of a termination of benefits when Mutual of Omaha improperly terminates a previously approved disability insurance claim;
- Representation in ERISA disability claims, including an appeal of a Mutual of Omaha denial letter for group long-term disability benefits; and
- Representation in a federal lawsuit against Mutual of Omaha over the denial of a long-term disability insurance claim.
Request a Free Consultation with the 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 amount of time to do so. Disability insurance claims often have strict, short deadlines, so claimants must act quickly. For many, the first step is to call an attorney for a free consultation.
If your long-term disability claim has been denied, you should call us at (888) 312-8131 for a free consultation to discuss your disability claim. There is no obligation to hire an attorney. There is no charge unless we convince Mutual of Omaha that you are disabled and they reverse their decision to deny your claim. If we are unsuccessful, then our services are free.
An experienced disability lawyer at the Ortiz Law Firm can 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 or filing a lawsuit.
We are not afraid to take on Mutual of Omaha or any other large insurance company. We will fight to get you the disability insurance benefits you deserve. Don’t wait any longer – call us today for help with your claim.
