Mutual of Omaha/United of Omaha

Mutual of Omaha disability claims that are denied or disability claims that have been terminated require representation from experienced and knowledgeable disability insurance attorneys. Frankel & Newfield has represented many Mutual of Omaha disability policyholders for both long and short term disability claims.

Clients Choose Us Because We:

  • Have recovered $200M+ for our clients.
  • Have seen your situation before.
  • Are aggressive in our approach.
  • Know the tactics used by the insurance companies.
  • Hold high AV Ratings & received the Super Lawyers designation each year.

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Mutual of Omaha sells its group disability insurance policies through employers, who offer these disability policies as part of employee benefits packages. These policies are governed by ERISA, which have strict rules about combating a denied or terminated claim. Disability insurance denials must go through an administrative appeals process that is limited in scope and can be challenging.

Mutual of Omaha also sells disability insurance policies to individuals, which are known as private policies. For these kinds of policies, claims denials, delays or terminations can be conducted through more traditional court proceedings.

Mutual of Omaha was originally founded in 1909 in Omaha, Nebraska as Mutual Benefit Health and Accident Association. Mutual of Omaha has many different subsidiary companies, including two insurance companies: United of Omaha Life Insurance Company, United World Life Insurance Company. Mutual of Omaha also owns Mutual of Omaha Investor Services, Inc., Continuum Worldwide, Mutual of Omaha Bank and East Campus Realty, LLC.

We have reported on several federal cases involving Mutual of Omaha in our blog. In one, the court rejected an attempt by United of Omaha (the same insurance company as Mutual of Omaha) to exclude a claim on the basis of pre-existing coverage. The court noted that the policy language does not allow for a denial for pre-existing conditions.

In March 2012, we reported on a federal court case where the court ruled against Mutual of Omaha when it denied a long term disability insurance claim based on a nurse review and an in-house doctor to deny a claimant, who suffered from a number of co-morbid medical conditions. The court blasted Mutual of Omaha for its poor analysis of medical evidence and failure to consider that the side effects of medications had an impact on the claimant's ability to work.

If your disability claim has been denied by Mutual of Omaha, we encourage you to schedule a free consultation with us to go over the details of your case. We are familiar with the tactics used by Mutual of Omaha to deny claims and will use our experience on your behalf. In addition to our own cases, we pay close attention to recent cases against Mutual of Omaha in order to create successful strategies. One recent example can be seen in Smith v. United of Omaha, in which the insurance company attempted to apply a pre-existing limitation clause to prevent payment of her long-term disability benefits.

If you need help with a Mutual of Omaha or a United of Omaha disability claim, call our office today, toll free, at 1-877-LTD-CLAIM (877-583-2524) to learn how we can help.

Justin C Frankel

Written By:

Justin C. Frankel

Disability Insurance Attorney