Mutual of Omaha Disability Denial Attorney

No Fee Unless We Win. Period.

Being diagnosed with a disability is an incredibly difficult experience. Beyond the obvious concerns for your health, the uncertainty around your ability to work and provide for your family places tremendous amounts of stress on a person.

That is why receiving a Long Term Disability denial letter from Mutual of Omaha can feel like a crushing blow. Each year, countless Americans find themselves scrambling to find answers when they are unexpectedly denied disability benefits.

As one of the world’s leading insurance companies, you expect Mutual of Omaha to provide disability benefits when you need them most. However, many policyholders are left stunned when they receive a letter of denial.

If you’ve recently received a denial letter from Mutual of Omaha, Fields Law is here to help. Our Long Term Disability denial attorneys are ready to listen to your case and help you throughout the appeals process. Contact Fields Law now for a complimentary case review.

Why Does Mutual of Omaha Deny Long Term Disability Claims?

How is Mutual of Omaha able to deny seemingly legitimate disability claims?

Mutual of Omaha receives thousands of Long Term Disability claims each year, which they evaluate under strict interpretation of policy language and supporting documents to justify denials. That means they often use technicalities to deny claims.

For example, one of the most common sources of claim denials stems from clerical errors on claim documents. Missing information, missed deadlines, or typos quickly result in a claim being rejected.

Other times they may cite a lack of sufficient medical documentation to prove your disability, or they may claim that you failed to disclose a pre-existing condition.

Even the language of your policy can be used against you. Many Long Term Disability policies have strict interpretations of what they consider to be a disability. Conditions that don’t fit neatly within their predefined definitions are usually denied.

We’ve even seen claimants’ social media history used against them to justify a denial. Posts that show photos on vacation or enjoying an event can be seen to contradict claims of disability.

No matter what reason Mutual of Omaha has given for denying your claim, you need to remember that the decision is not final.

You have the right to file an appeal.

Fields Law can help you understand why you were denied and appeal a Mutual of Omaha disability insurance decision.

How a Long Term Disability Attorney Can Help You Appeal Your Mutual of Omaha Claim

Receiving a letter of denial can leave you in shock. It can also leave you with unanswered questions.

If you’re left wondering what comes next, consulting with a Mutual of Omaha Long Term Disability appeal lawyer is the best first step.

Fields Law’s disability claim appeal lawyers have represented thousands of clients nationwide, guiding them through the entire appeals process. We are familiar with Mutual of Omaha’s denial strategies, and we know how to help our clients build a strong appeal.

That begins with analyzing your denial letter for the reasons Mutual of Omaha cited for your claim denial. We collaborate with your treating physicians as well as vocational experts to gather evidence that addresses the reasons for your denial.

Receiving a denial letter also puts you on the clock—there is a limited amount of time to file an appeal. With professional help, your appeal will be prepared error free, and submitted within the tight appeal deadline.

Understanding ERISA and Mutual of Omaha Disability Appeals

The Employee Retirement Income Security Act (ERISA) is the federal law that governs how employee benefit plans, including most disability insurance policies, are administered.

When a claim has been denied, ERISA gives policyholders the right to file an administrative appeal within a strict timeline. Missing the appeal deadline can spell the end of your case.

For that reason, many claimants choose to work with a Long Term Disability attorney to help them prepare their appeal. Don’t put off filing your appeal. Once a claim has been denied, the clock begins ticking.

ERISA doesn’t just dictate the timeline for filing an appeal. It also determines what evidence will be allowed into court if a claim proceeds to litigation. That alone makes involving a Long Term Disability claim attorney vital to gathering and preparing the documentation needed for your appeal.

As your guide through the appeal process, Fields Law focuses on creating a detailed record of your disability. That means gathering medical records and statements from your treating physicians. We also seek the opinion of vocational experts who can provide statements on how your disability affects your ability to work.

The goal is to build a body of evidence that makes Mutual of Omaha reconsider their decision, and if necessary, serve as evidence if the case turns into a lawsuit.

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Mutual of Omaha LTD Appeal Lawyer: The Fields Law Approach

Fields Law attorneys have served clients nationwide for over 25 years. We guide our clients through the appeal process in four distinct phases:

Case Review and Strategy Building

Your denial letter holds the key to understanding why your claim was rejected. Our Mutual of Omaha LTD appeal lawyers will analyze your disability denial letter against your actual policy and claim file and identify the specific reasons Mutual of Omaha gave for your denial. Then we’ll prepare a customized appeal strategy to counter it.

Image of two people (from neck down) reviewing a contract.

Medical Evidence Collection

Your doctors and caregivers are invaluable resources to back up your claim. We’ll gather medical evidence and statements from them that support your case for disability. We also seek statements from vocational experts who can speak to the impact your disability has on your ability to work.

A woman sitting at a desk highlighting some paperwork

Submit the Appeal

When you receive a denial letter, the clock immediately begins ticking on your ability to file an appeal under ERISA law. Fields Law’s disability claim appeal lawyers will professionally prepare your Mutual of Omaha appeal within the appropriate time frame, eliminating any technical reasons to deny you again.

Mutual of Omaha Lawsuit for Disability Denial When Necessary

If your claim continues to be denied in spite of strong supporting evidence, our team of Mutual of Omaha disability claim appeal lawyers are prepared to represent you in court.

You’re already struggling with the reality of your disability. You shouldn’t have to struggle with your claim on top of it.

Real Clients, Real Results: Examples of Past Mutual of Omaha Long Term Disability Appeals

Fields Law works efficiently to help our clients denied LTD benefits by Mutual of Omaha get legal help with their appeals.

We’ve helped clients:

Appeal disability denials and pursue available benefits.
Pursue back-pay or lump-sum payments in certain cases.
Appeal benefits terminations and seek reinstatement of benefits when possible.

Below are just a few examples of Fields Law clients whose Mutual of Omaha disability claims were appealed:

Denial Overturned

Librado – Systems Support Technician – Bakersfield, California

Disability: Cervical Radiculopathy, Myalgia, Muscle Weakness, Paresthesia of the Skin

Problem: A systems support technician from California, Librado, had to stop working due to his painful, disabling medical conditions, including cervical radiculopathy, myalgia, muscle weakness, and paresthesia of the skin. Although his claim for Short Term Disability was approved by Mutual of Omaha, his subsequent claim for Long Term Disability was denied.

Success—Denial Overturned: Unable to work, and now without his financial safety net, Librado reached out to Fields Law for assistance. The Fields team gathered medical records and a Functional Capacity Evaluation that showed our client’s inability to work. The attorneys drafted an appeal, urging Mutual of Omaha to grant the client the benefits to which he was entitled. His Long Term Disability benefits were granted, and he received a check for the backpay that had accrued on his claim.

Reinstatement of Benefits

Teresa – District Manager – Greensboro, North Carolina

Disability: Chronic Neck Pain, Back Pain, Shoulder Pain, Depression, Anxiety

Problem: A District Manager in North Carolina, Teresa, worked for several years before she became disabled due to widespread chronic pain and depression. She applied for and received Long Term Disability benefits and received payment for three years. She was denied when the definition of disability changed from the Own Occupation standard to the Any Occupation standard.

Success—Reinstatement of Benefits: Teresa found Fields Law online and retained us to challenge the wrongful denial. Our attorneys ordered updated medical information from our client’s treating providers. After receiving medical information and analyzing the claim file received from Mutual of Omaha, we submitted an appeal strongly supporting our client’s entitlement to past and future benefits. After a short review, Mutual of Omaha agreed to reinstate her benefits.

Reinstatement of Benefits

Thomas – Trail Builder – Fayetteville, Arkansas

Disability: Spinal Surgery Complications, Spondylitis of the Thoracolumbar Region, Low Back Pain

Problem: Thomas, a trail builder in Arkansas, was forced to stop working due to disabling medical conditions, including complications from spinal surgery and spondylitis of the thoracolumbar region. Initially, he was approved for Long Term Disability benefits. Then, after 10 months, Mutual of Omaha abruptly terminated his benefits.

Success—Reinstatement of Benefits: Thomas reached out to Fields Law for assistance, and our team appealed the termination. After providing the insurer with significant evidence supporting the client’s disability claim, Mutual of Omaha reinstated our client’s benefits and sent him all the backpay he was owed.

7200

cases won nationwide

2220

lawsuits filed

$32755281

in benefits recovered last year alone

See the full list of our case wins and lawsuit results here

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Denied LTD Benefits by Mutual of Omaha? Fields Law Can Help You Appeal

Being diagnosed with a disability is a life-changing event. Receiving a disability denial letter from Mutual of Omaha only compounds the fear and frustration you’re already feeling. Remember, a denial decision doesn’t have to be final. An appeal gives you the ability to challenge their decision.

Fields Law has represented clients nationwide for over 25 years in Long Term Disability appeals against Mutual of Omaha and other major insurers. While results vary based on the specifics of each case, our experienced attorneys can help you understand your case and build a strong appeal supported by medical evidence.

Don’t let a disability denial stop you from pursuing available benefits. Fields Law offers free case consultations designed to help you evaluate your options.

Local Experience. National Reputation.

Successfully representing clients in all 50 states has given us a depth of local experience and a national reputation of winning for our clients

Nationwide Long Term Disability Insurance Claim Attorneys

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No Fee Unless We Win. Period.

Why Does Mutual of Omaha Deny Long Term Disability Claims?

How a Long Term Disability Attorney Can Help You Appeal Your Mutual of Omaha Claim

Understanding ERISA and Mutual of Omaha Disability Appeals

Mutual of Omaha LTD Appeal Lawyer: The Fields Law Approach

Case Review and Strategy Building

Medical Evidence Collection

Submit the Appeal

Mutual of Omaha Lawsuit for Disability Denial When Necessary

Real Clients, Real Results: Examples of Past Mutual of Omaha Long Term Disability Appeals

Denial Overturned

Librado – Systems Support Technician – Bakersfield, California

Reinstatement of Benefits

Teresa – District Manager – Greensboro, North Carolina

Reinstatement of Benefits

Thomas – Trail Builder – Fayetteville, Arkansas

Denied LTD Benefits by Mutual of Omaha? Fields Law Can Help You Appeal

Local Experience. National Reputation.

Nationwide Long Term Disability Insurance Claim Attorneys

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