Los Angeles And Orange County Disability Insurance And ERISA Claim Attorneys Fight Mutual Of Omaha Claim Denials
McKennon Law Group PC fights for your right to receive benefits from life, general liability, long-term care and disability insurers like Mutual of Omaha. We understand insurers like Mutual of Omaha because we have had so much experience litigating insurance claims against Mutual of Omaha.
Mutual of Omaha originally began in 1909 and started as the Mutual Benefit Health & Accident Association. A year later, what we now know as Mutual of Omaha became licensed to issue health and life insurance in Nebraska. By 1920, Mutual of Omaha was licensed to sell insurance in 15 states. Mutual of Omaha touts itself as the first company to incorporate a rehabilitation provision into its disability income protection policies (a rehabilitation provision is a term in some disability insurance policies that incentivizes a return to work, if possible). In 2009, Mutual of Omaha celebrated one hundred years in business and in 2016, Mutual of Omaha expanded to form Mutual of Omaha Mortgage, offering various home financing products.
Mutual of Omaha is a mutual company. That means it does not have shareholders. This generally means that, if you’re insured under a Mutual of Omaha whole life insurance policy, you may be eligible to share in any dividends that Mutual of Omaha may declare. As a mutual company, it claims to operate for the benefit of its members and participating policyholders. In our experience, we believe that mutual insurance companies do a better job of paying claims than do nonmutual insurers. However, Mutual of Omaha still denies valid claims, and we have had much success litigating life and disability insurance claims against Mutual of Omaha.
How Does Mutual Of Omaha Deny Life, Long-Term Care And Disability Insurance Claims?
Mutual of Omaha denies claims based on many reasons, including, but not limited to, the following:
- Mutual of Omaha asserts the proof of claim you provided does not support your life, long-term care or disability claim
- Mutual of Omaha suggests you did not provide adequate medical support for your life, long-term care or disability claim
- Mutual of Omaha asserts you provided inadequate documentation or proof of lost evidence or that you failed to provide such evidence in a timely manner
- Mutual of Omaha asserts the condition that is the subject of your claim is a pre-existing condition
- Mutual of Omaha asserts the insurance application contained materially false information, and thus the policy can be rescinded
- Mutual of Omaha asserts surveillance or your social media suggests that you are not totally disabled
- Mutual of Omaha asserts your policy has lapsed due to nonpayment of premium
- Mutual of Omaha broadly interprets an exclusion in the life, long-term care or disability policy to preclude coverage for the claim
What Should Disability Or Life Insurance Claimants Look For When Mutual Of Omaha Denies A Claim For Benefits?
- Did Mutual of Omaha conduct a thorough and unbiased investigation into all potential bases for coverage?
- Did Mutual of Omaha take the opinion of its own, unqualified persons/supposed experts over the medical evidence you provided in support of your claim?
- If Mutual of Omaha did properly retrieve relevant medical records, did they improperly misread or misinterpret those records?
- Did Mutual of Omaha’s denial rely on the opinion of a reviewer that appears to be biased? Did the reviewer ignore relevant medical evidence or mischaracterize the content of a conversation with your primary care doctor?
- Did Mutual of Omaha deny your claim without requesting an in-person medical examination, even though you were willing to submit to such an examination?
- Did Mutual of Omaha refuse to acknowledge illness, injury or other symptoms for which primarily subjective evidence exists, such as mental disorders, autoimmune disorders, fibromyalgia and chronic fatigue syndrome? Did the denial state that the claimant failed to provide “objective evidence” in support of the illness or injury preventing you from performing the duties of your occupation?
- Did Mutual of Omaha attempt to contact your doctors and try to persuade them you do not qualify for policy benefits?
- Did Mutual of Omaha improperly rely on an exclusion in your policy to deny your claim?
- Did Mutual of Omaha incorrectly calculate your policy benefits or attempt to assert an benefit offset that does not apply?
- Did Mutual of Omaha improperly assert that your illness or injury is a pre-existing condition, wrongly attempt to rescind the policy or simply deny the claim with the intent of wearing you down to a lower settlement?
- Did Mutual of Omaha improperly overrely on surveillance or social media of you engaging in activities as support that you are not totally disabled? Did Mutual of Omaha do so without properly considering or characterizing the actual duties of your occupation?
- Did Mutual of Omaha improperly overrely on social media evidence, from accounts such as Instagram, Facebook or other forms of social media to conclude your claim should be denied?
- Did Mutual of Omaha improperly fail to engage in a “meaningful dialogue” with you so you knew what type of information you should provide to support your claim?
If Mutual of Omaha wrongfully denied your disability, life, long-term care or another insurance claim, contact McKennon Law Group PC, and we will doggedly pursue your insurance benefits.
Choosing an insurance litigation attorney to represent you when you find yourself in the vulnerable position of having your disability, life or long-term care denied is a vitally important decision in the pursuit of your insurance claim. Disability, life and other forms of insurance denials can be complex. You need a skilled, aggressive and talented advocate in your corner. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call 1-800-682-4137 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.