Attorney for Long-Term Disability Denials by Mutual of Omaha
When a disability prevents you from working, you rely on your long-term disability income to provide for your needs and your family’s needs. That is the purpose of long-term disability. Unfortunately, long-term disability benefits are sometimes wrongfully denied by insurance companies like Mutual of Omaha.
Many of the employer-provided long-term disability insurance policies are governed by ERISA (the Employee Retirement Income Security Act). ERISA favors employers and insurance companies in disputes related to long-term disability claims. Insurance companies like Mutual of Omaha are given a great deal of discretion to determine whether you are entitled to these disability benefits. What can you do if you are denied long-term disability benefits by Mutual of Omaha?
Call Our Attorney After a Denial of Disability Benefits by Mutual of Omaha
You have the right to consult with a lawyer about your long-term disability claim. Our long-term disability attorney has experience handling ERISA long-term disability claims with Mutual of Omaha and other insurance companies.
You do not have to fight Mutual of Omaha alone. Call our law office at 816-203-0143 to speak with a member of our law firm. Get the facts about long-term disability claims and your rights from a trusted source and legal advocate for disabled workers.
What to Do If Your Disability Benefits Were Denied by Mutual of Omaha
Here’s how our long-term disability law firm can help you after a denial by Mutual of Omaha:
1. Free Review of Your Long-term Disability Denial Letter
Our long-term disability lawyer will review a denial letter from Mutual of Omaha free of charge. The first step in developing a plan to fight a denial of LTD income is to understand why Mutual of Omaha denied your claim.
Our ERISA LTD lawyer will review your denial letter and provide you with a strategy for fighting the denial. You are not under any obligation to retain our law firm. The review is provided at no charge and no obligation.
However, time is not on your side. There are short deadlines for filing appeals and taking other actions to dispute a denial of long-term disability. Call 816-203-0143 now to request your free denial letter review.
2. Obtain a Free Copy of Our Disability Guide
Our long-term disability lawyer has written a disability appeal guidebook that provides information about long-term disability claims and appeals. Many of the answers to your questions may be contained in this book. It is a great resource to learn more about:
- Myths about long-term disability claims, appeals, and lawsuits
- Explanations about the differences between private long-term disability insurance and ERISA long-term disability insurance policies
- Why ERISA gives an unfair advantage to insurance companies like Mutual of Omaha
- The steps that you need to take when you receive a denial letter from Mutual of Omaha or another insurance provider
- The most important step you need to take after receiving a long-term disability denial letter
- Much more information about long-term disability claims
You can receive your free Disability Guide by contacting our law firm. We also provide information about long-term disability claims, appeals, and lawsuits in our collection of FAQs and articles. These articles are available on our website at no charge to all visitors.
3. Schedule a Consultation with a Long-Term Disability Lawyer by Calling 816-203-0143
Our legal team aggressively fights to get you the disability income you deserve. Because we understand ERISA laws and disability insurance providers, we can quickly take steps to protect your best interests when you hire our law firm.
At the Law Office of Kevin J. McManus, we assist local attorneys nationwide as they handle ERISA disability cases. Contact our office now to discuss how we can help you fight to get the benefits you need and deserve from Mutual of Omaha or another insurance provider.
Why Did Mutual of Omaha Deny My Long-Term Disability Claim?
There could have been a valid reason why Mutual of Omaha denied your long-term disability claim. You may have made a mistake on your application or failed to provide the required information to process your long-term disability application.
However, Mutual of Omaha and other insurance companies do not want to pay claims. They are for-profit companies. Therefore, paying claims decreases their profits. Unfortunately, many insurance companies put profits above a worker’s rights and best interests.
Common reasons that insurance companies give for denying a long-term disability claim include:
- You failed to provide the required information and documentation to process the claim
- The long-term disability insurance policy does not cover your disability or the situation that caused your disability
- Your condition does not meet the definition of a disabling condition
- The TSA (Transitional Skills Analysis) or FCE (Functional Capacity Evaluation) you were required to complete shows that you could perform some skills that could transition to a job (even if you have no experience in that field)
- The doctor hired by Mutual of Omaha states that you are not disabled
It is important to remember that the reason Mutual of Omaha gives you for denying your long-term disability claim may sound legitimate. However, that is not always the case. Mutual of Omaha and other insurance companies use unfair tactics to deny claims. They hire insurance physicians and companies that favor them to complete examinations and reviews.
These tactics are designed to delay your claim and intimidate you so that you give up your fight. Do not fall for these tactics. Talk with a Mutual of Omaha disability lawyer as soon as possible.
Do I Need a Disability Attorney to Handle My Mutual of Omaha Appeal?
You are not required to hire a lawyer to file a long-term disability appeal. Mutual of Omaha prefers that you do not consult with a lawyer because it does not want you to learn about your legal rights.
An insurance company has enormous resources to fight long-term disability claims. They are large corporations with legal departments and teams of adjusters, investigators, and claims representatives. Each of these professionals protects the best interest of the insurance company.
You need to even the playing field with Mutual of Omaha. Hiring the Law Office of Kevin J. McManus to handle your long-term disability appeal gives you the resources you need to fight Mutual of Omaha for the long-term disability benefits you deserve.
Our legal team has substantial experience and knowledge of ERISA laws and insurance laws. Put our knowledge, experience, and resources to work for you.
Call 816-203-0143 now to schedule a free review of your denial letter. Based on the review, you can decide whether to schedule a consultation to discuss further action against Mutual of Omaha for denying your long-term disability income and benefits.
What Happens After an Appeal of a Denial by Mutual of Omaha?
When you receive your denial letter from Mutual of Omaha, you need to act quickly. There are very short deadlines for filing appeals of long-term disability denials. If you are going to file an administrative appeal yourself, there are numerous documents you need to gather and submit to give yourself the best chance of success.
When filing an administrative appeal, you want to include documents such as, but not limited to:
- Copies of all medical records related to your disability, including any new records since your initial long-term disability application
- Statements from physicians and medical experts explaining your disability and how your disability impacts your ability to work
- Witness statements from friends, family, and co-workers about how your disability limits your activities and performance
Mutual of Omaha has 45 days to respond to the administrative appeal. If it denies the long-term disability appeal, your other option is to file a lawsuit against Mutual of Omaha.
Your administrative appeal is crucial. You could win your long-term disability appeal at this step and avoid litigation.
To ensure that you present the strongest case for approval of long-term disability benefits, you may want to hire a long-term disability lawyer to handle your administrative appeal. Your lawyer understands how to build a strong case and how to fight the unfair advantage given to Mutual of Omaha by ERISA laws.
Please don’t wait too long to contact our disability lawyer for help. Prompt action is required when you receive a denial letter from Mutual of Omaha or another insurance company. Delays in filing appeals and seeking legal advice could result in giving up your right to fight for the long-term disability income you need.
Contact Our Long-Term Disability Lawyers After a Mutual of Omaha Denial
We are ready to take on the fight with Mutual of Omaha to get you the long-term disability benefits you deserve. Our legal team at the Law Office of Kevin J. McManus is passionate about fighting for disabled workers. We stand with you as you fight against unfair and unlawful denials of long-term disability benefits.
Call 816-203-0143 now to speak with a knowledgeable and compassionate member of our legal team. Make sure to tell our office if you have received an long-term disability denial letter so that we can take quick action to set up a free denial letter review.