Short & Long Term Disability Cases We’ve Won for Our Clients Against Mutual of Omaha
Fields Law Firm successfully recovers millions of dollars each year for our disabled clients throughout the United States. Our Long Term Disability experience is matched by very few other law firms in the country and has earned us a national reputation.
Here are just a few examples of our Long Term Disability appeal case wins against Mutual of Omaha.
Joyce – Engineering Technician – Lemitar, New Mexico
Joint Degeneration of Bilateral Hands and Arms
An engineering technician in New Mexico, whose work required frequent lifting, climbing, and repetitive use of the upper extremities developed degenerative joint disease in both hands and arms. The condition caused significant pain and swelling, making the essential duties of the occupation unsustainable. Although Long Term Disability benefits were initially approved for a limited period, Mutual of Omaha later denied continued coverage, despite ongoing limitations.
The Fields Law Firm team prepared a detailed appeal supported by complete medical documentation and vocational functional capacity evaluations that clearly connected the documented impairment to the demands of the client’s own occupation. Based on this record, Mutual of Omaha reversed course and approved benefits going forward. Our team remained focused on building a thorough, occupation-specific appeal, and delivering a timely outcome that restored the client’s income protection.
Ryan – Insurance Professional – Rochester, Minnesota
Crohn’s Disease, Abdominal Pain, Nausea, Vomiting, Diarrhea, Bloating, Fatigue, Anxiety Disorder, Panic Disorder, PTSD, ADHD
An insurance professional in Minnesota experienced frequent Crohn’s disease flare-ups that led to urgent, repeated trips to the bathroom, missed workdays, and ongoing symptoms including abdominal pain, nausea, vomiting, diarrhea, bloating, fatigue, and related mental health conditions. Although Short Term Disability benefits were approved, Mutual of Omaha denied the Long Term Disability claim, stating there were no identifiable limitations.
Facing an inconsistent decision and a loss of income, he turned to Fields Law for support. The Fields team prepared a detailed appeal that resulted in a partial approval of benefits for six months. When symptoms continued and a return to work remained out of reach, Fields Law submitted a second appeal that documented, in clear terms, why work was not possible during the period at issue. Mutual of Omaha then approved Long Term Disability benefits for the entire time the individual was unable to work, providing the coverage the policy promised and the continuity of benefits needed during recovery.
Gina – Research Manager – Smithsburg, Maryland
PTSD, Depression, Anxiety
A research manager in Maryland, suffering from PTSD, depression and anxiety, was denied Long Term Disability benefits by Mutual of Omaha. The symptoms of these conditions were expected to cause frequent absences and significant difficulties maintaining effective working relationships with peers, supervisors, and customers, as well as impair day-to-day functioning.
The Fields attorneys stepped in promptly and built a strong administrative appeal. They obtained complete medical records and detailed narrative reports directly from treating providers, including a targeted response to the insurer’s peer review, documenting the treatment history and symptoms that interfered with consistent work performance. This ensured the claim reflected the full functional impact of the conditions, not just the diagnosis list. Mutual of Omaha reversed the denial, and the client is now receiving ongoing benefits.
