Mutual of Omaha Disability Insurance Claims Attorneys
If you need help filing a claim with Mutual of Omaha for your long-term disability benefits, contact Abell and Capitan Law today. We will review your injury or illness and negotiate for the maximum benefit payments you deserve.
We know dealing with insurance companies can be overwhelming. They are often intimidating, and the policies are confusing. You might not understand the coverage you have or how to handle a denied claim. We will relieve your burden and take on the responsibility of the application or appeal process for you.
Mutual of Omaha was founded in 1909 in Omaha, Nebraska. Its original name was Mutual Benefit Health and Accident Association, but it was changed to Mutual of Omaha in 1962. There are multiple subsidiaries, including Companion Life Insurance Company, United of Omaha Life Insurance Company, and Continuum Worldwide and Omaha Financial Holdings, Inc. Collectively, they offer long-term care insurance, Medicare supplemental insurance, and disability insurance, to name a few.
Abell and Capitan Law is highly experienced in dealing with Mutual of Omaha and familiar with the long-term disability policies they offer. When you hire us, we will use our resources and in-depth experience to file your initial claim, appeal a denied claim, or litigate your case in court.
To find out more about how we can help, call us at (267) 419-7888 to schedule your free consultation with one of our Mutual of Omaha disability insurance claims attorneys.
Long-Term Disability Benefits Provided Through Mutual of Omaha
Long-term disability (LTD) insurance replaces a portion of an individual’s lost income when they cannot return to work due to a non-job-related injury or illness. Anyone who works at least 30 hours per week and is between 18 and 61 is eligible to sign up. Mutual of Omaha offers various coverage options when you purchase a policy. With one of their plans, you could receive payments of up to $12,000 every month. The duration of benefits could be anywhere from two years to the age of 67.
LTD income insurance includes the following:
- Monthly benefits based on your current income. The maximum payment allowed is $12,000.
- Benefit period – 2, 5, or 10 years, or until you turn 67 years old.
- Elimination period – 60, 90, 180, or 365 days. (The timeframe between the date your disability started and when you receive your first payment).
- Policy issued to individuals between 18 and 61 years of age.
- Premium – Monthly premium is the same until you turn 67 years old. After that, it will increase annually. Coverage may continue until age 75.
There are two different packages available, and whether you qualify will depend on the extent of your disabling condition and if you can work at a diminished capacity or not at all. These packages are explained below:
Total disability income benefit – If you are not working in another occupation, and your disability prevents you from completing your job duties, you could receive monthly benefits after the elimination period ends. You will continue to receive payments if you have not reached the maximum benefit coverage after 24 months and still can’t perform any job for which you have the education, qualifications, experience, and training.
Proportionate disability benefit – If you can continue to work, but you’re unable to complete your work-related tasks within the time you usually do, and your monthly income losses are at least 20%, you would receive monthly benefits proportionate to your lost income. Benefits begin after the elimination period and last up to 24 months.
Other provisions on your Mutual of Omaha policy could include:
- Guaranteed renewable – If you pay your monthly premium by the due date, they will not cancel your policy up until you turn 67. After 67, coverage can continue until you reach 75 years of age as long as you continue to pay your premium and work full-time.
- Waiver of premium – If your disability lasts longer than 90 days, they will waive your premium for coverage and optional riders. There will also be a refund of premiums during this period.
- Terminal illness benefit – If you develop a terminal illness, you can accelerate a maximum of 12 months of disability benefits.
- Rehabilitation benefit – You could qualify for vocational rehabilitation services covered by the insurance company.
- Survivor benefit – Your beneficiaries will receive a lump-sum payment equal to three times your total monthly benefit if you die while you have a disability.
There are also some exclusions you should be aware of that could make you ineligible for LTD benefits. These include losses from:
- Mental or nervous disorders
- An act of undeclared or declared war
- A policy that is not in force
- Serving in the armed forces
- Self-inflicted injury
- Suicide or attempted suicide
- Committing or attempting to commit a felony offense
- Legal intoxication or under the influence of a narcotic or illegal substance
- Benefits provided through state or federal workers’ compensation insurance
- Substance abuse
- Employer’s liability or occupational disease law
Do I Need a Mutual of Omaha Disability Insurance Claims Lawyer?
You don’t have to seek legal representation, but it’s best if you do. Insurance companies use various tactics to deny a person’s claim or provide minimal benefits. Abell and Capitan Law will not allow them to take advantage of you. With an attorney by your side, you can ensure you will have a fair chance of fighting for the LTD payments you deserve.
When you hire us, we will handle every step of the claims process from beginning to end, including:
- Filing the claim.
- Requesting a copy of your Mutual of Omaha insurance policy.
- Obtaining medical evidence of your disability.
- Finding experts that can confirm you have a disabling condition and can no longer work.
- Submitting all documentation we find during our investigation to the insurance company.
- Communicating with the representative handling your claim.
- Ensuring Mutual of Omaha pays the monthly benefits you deserve based on your policy.
If you end up with a denied claim, we can file an appeal. The Employee Retirement Income Security Act (ERISA) regulates these plans to protect participants and provide necessary information about the policy and other details. If you have LTD through your employer, we must follow ERISA law while handling your appeal.
ERISA requires that you file an administrative appeal within 180 days of the denial date. If this period passes, you will likely lose your right to appeal Mutual of Omaha’s decision. We will review the denial letter to determine their reasoning and create a customized appeal strategy to overturn their decision.
We might have to submit new evidence and documentation that wasn’t in the original claim. This might include documentation, such as:
- Statements from vocational experts about the disability’s effect on your capacity to perform your job
- Physician letters confirming your disabling condition
- Missing or incomplete medical records
- Copy of your job description
- Functional capacity reports
- Affidavits from key witnesses
After we file an appeal, Mutual of Omaha will have up to 45 days to respond. They can request one 45-day extension if they need additional time. If they continue to deny your LTD benefits, we will move forward with a lawsuit.
Why Choose Abell and Capitan Law?
Our Mutual of Omaha disability insurance claims lawyers will dedicate their time and attention to your case. We believe in providing our clients with one-on-one attention, support, and guidance from start to finish. We understand how stressful an experience like this can be. When you’re unable to work and watch your medical bills pile up, you wonder how you’re going to afford them. We will work diligently on your case and with Mutual of Omaha to recover the maximum LTD benefits available so you can pay your expenses.
We have a legal team that is available 24/7, so you can reach us whenever you need us. We know the importance of receiving dependable customer service. You won’t have to wait long for us to call you back or respond to your email. We are prompt in our communications and will keep in touch throughout the entire process. We can answer your questions, provide status updates, and explain our legal strategy.
We are not a jack-of-all-trades kind of law firm. We specialize in disability insurance. That means you can depend on us to understand your case’s details and effectively overcome any obstacle we face. Each one of our colleagues cares about the people who hire us. You won’t be just another number to us. We will treat you like a part of our family.
Contact Abell and Capitan Law for a Free Consultation
Our Mutual of Omaha disability claims lawyers will fight to protect your rights and dedicate ourselves to pursuing the full benefits you’re owed. Whether you need assistance filing an initial claim, appealing a denial, or pursuing a lawsuit, we have got you covered. You won’t have to shoulder the burden of the applications or appeal process. While we’re working on your case, you will be able to focus on treating your disability and eventually put this overwhelming experience behind you.
If you have a long-term disability policy through Mutual of Omaha, call Abell and Capitan Law at (267) 419-7888 today. Our Mutual of Omaha disability claims attorneys will be happy to meet with you for a free consultation to discuss your case and determine your legal options.