Talk To A Disability Lawyer Now
(800) 898-7299
Helping The Disabled From Coast to Coast
We've Recovered Nearly $1 BILLION In Wrongfully Denied Insurance Benefits

Nationally recognized

DarrasLaw has a reputation for excellence. Its attorneys have received countless awards, published hundreds of articles, & been invited to lecture on types of disability insurance.

Experience Matters

Our legal team brings over 100 years of insurance, claims & litigation experience to the table. No one has seen more, evaluated more, & resolved more disability insurance problems than us.

Our Clients Love Us

It’s our honor to represent chronically ill, injured, and disabled policyholders. We are passionate about helping them recover wrongfully denied or unreasonably delayed insurance benefits.

Our Clients Will Not Be Bullied By Billion Dollar Insurance Companies

Mutual of Omaha Claim Denial

Mutual of Omaha Claim DenialYelpAvvo RatingswebMD

Understanding Mutual of Omaha Denial Process

Mutual of Omaha Claim DenialsMutual of Omaha, formerly known as Mutual Benefit Health and Accident Association, was founded in Omaha, Nebraska. It has a century-long history and has grown to become a Fortune 500 company. Mutual of Omaha employs over 1,000 people across the country and has an annual revenue of more than $500 million. The company provides a diverse range of insurance products, including short-term and long-term disability insurance, health insurance, and life insurance. However, Mutual of Omaha, like many other insurance companies, denies claims on occasion. Policyholders must be proactive in such situations. Seeking the advice of a Mutual of Omaha Denial attorney can be a critical step.

The Profit-Driven Nature of Insurance Companies

While Mutual of Omaha provides coverage to millions, it’s essential to understand that their primary goal, like other corporate insurance providers, is profitability. This often translates to finding reasons, whether valid or not, to deny claims. Such denials can be based on technicalities or even fabricated reasons. Policyholders must be vigilant and aware of their rights when dealing with such denials.

Mutual of Omaha’s Legal Challenges

Over the years, Mutual of Omaha has faced numerous lawsuits alleging bad faith practices both within and outside the insurance sector. For instance, in 2020, the company settled a lawsuit for $6.7 million, where it was alleged that Mutual of Omaha mismanaged their 401(k) plans, leading to allegations of self-dealing. While the company denied these allegations, it chose to settle the case.

Recognizing Bad Faith Tactics

Policyholders should be on the lookout for tactics that insurance providers, including Mutual of Omaha, might employ to deny valid claims. Some of these tactics include:

  • Ignoring or misinterpreting medical evidence.
  • Misstating policy phrases to their advantage.
  • Requesting medical examinations by unqualified doctors.
  • Delaying claim decisions.
  • Sending redundant or unnecessary document requests.
  • Using in-house personnel, who may not be qualified, to review medical records and make decisions.
  • Employing surveillance to discredit a policyholder’s claims.
  • Misrepresenting a policyholder’s claim value or rights.

Mutual of Omaha’s Coverage Exclusions

Policyholders need to understand what Mutual of Omaha’s policies exclude. Some general exclusions and limitations include losses resulting from acts of war, self-inflicted injuries, legal intoxication or influence of illegal substances, and losses for which benefits are provided under state or federal worker’s compensation laws. Additionally, there are specific exclusions for short-term disability, long-term disability, and other types of insurance that policyholders should be aware of.

Taking Action Against Wrongful Denials

If you believe that Mutual of Omaha has wrongfully denied your claim, it’s essential to act swiftly. The clock starts ticking for your appeal and potential lawsuit once your claim is denied. Depending on the nature of your insurance, you might need to go through an administrative appeal process before filing a lawsuit. Engaging with an experienced insurance attorney can help navigate these complexities and ensure that your rights are upheld.

In conclusion, while Mutual of Omaha is a well-established insurance provider, policyholders should be proactive in understanding their policies and be prepared to challenge any wrongful denials. With the right knowledge and legal support, you can ensure that you receive the benefits you rightfully deserve.

The Appeal Process: Navigating the Waters

Once faced with a Mutual of Omaha denial, understanding the appeal process becomes paramount. It’s not merely about contesting the denial but ensuring that your appeal is fortified with compelling evidence and a persuasive argument.

Crafting a Robust Appeal

  • Act Without Delay: Familiarize yourself with the appeal deadlines and initiate the process promptly.
  • Amass Comprehensive Documentation: Strengthen your appeal with updated medical records, expert opinions, and any other pertinent evidence that underscores your claim.
  • Personal Testimonies: Accounts from friends, family, or colleagues can offer a broader perspective on your daily challenges and the ramifications of your disability.
  • Engage Expert Witnesses: In situations where the nature or extent of disability is under dispute, the insights of vocational or medical specialists can be invaluable.

The Importance of Legal Representation

The intricacies of insurance claims, especially when contending with established entities like Mutual of Omaha, underscore the importance of professional guidance. Attorneys can:

  • Demystify Complexities: By elucidating the nuances of insurance policies, attorneys can offer clear insights into the reasons for denial and the optimal course of action.
  • Advocate on Your Behalf: Leveraging their expertise, attorneys can negotiate with Mutual of Omaha, ensuring that your rights are safeguarded and that you secure the benefits you’re entitled to.
  • Support in Legal Proceedings: If the appeal doesn’t culminate in a positive outcome, attorneys can guide claimants through the legal process, ensuring a robust presentation of the case.

In wrapping up, confronting a Mutual of Omaha denial can be a formidable challenge. However, with a strategic approach and the backing of professional support, claimants can surmount these obstacles and obtain the benefits they justly deserve.

Our Promises To Our Clients

Houston Expungement Lawyer

Disability Tips

10 Important Questions To Ask Before You Hire A Disability Law Firm

Reason #1

Why Choose DarrasLaw?

We are the most awarded disability law firm in the nation. Insurance companies will not pay full value of a case if they don't respect the law firm representing you.


What Our Clients Say

DarrasLaw was the answer to my prayers. I am grateful for the way they handled my case.

Read More

I think Frank Darras was just absolutely brilliant. He didn't miss one detail of the case. In the end, we were successful. It happened for us that it was a financial victory and a moral victory.

Read More
Graphic Artist

I would like to say to any potential client that if you feel as though no one is listening to you and you are being run around by your insurance companies. I can't recommend DarrasLaw highly enough.

Read More

Getting help means calling the right attorney...and the right attorney will be Frank Darras.

Read More

DarrasLaw did a great job for me... I highly recommend them to resolve your issues because they can do it.

Read More
View More Testimonials
We have countless testimonials from our happy clients.
View all testimonials
View All Testimonials greenarrow

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.