Mutual of Omaha Life Insurance Claim Process and Denials Explained

Mutual of Omaha has a comprehensive claims process in place to ensure that policyholders receive the benefits they're entitled to.

The company requires policyholders to submit a claim form, which can be obtained from their agent or online.

Policyholders must also provide supporting documentation, such as proof of death, medical records, and police reports, depending on the type of claim.

Mutual of Omaha's claims process typically takes 30 to 60 days to complete.

In some cases, claims may be denied due to policy exclusions, such as pre-existing conditions or suicide.

Life insurance claim denials can be frustrating and confusing, but understanding the reasons behind them can help you prepare and avoid similar issues in the future.

United of Omaha partially denied a life insurance claim due to an uncompleted form, despite premiums being paid for ten years.

Incomplete or unsubmitted forms can lead to denied claims, so it's essential to ensure all necessary paperwork is completed and submitted on time.

Myron was not given an Evidence of Good Health form or any other form to complete when he enrolled in the voluntary life insurance policy in 2008.

Failing to receive necessary forms or instructions can cause delays or denials, so it's crucial to verify the enrollment process with your HR department or insurance provider.

United explained that they did not receive and approve the Evidence of Good Health form, which led to the denial of the additional $100,000 of excess coverage.

Insurance companies may deny claims if they don't receive required documentation or if it's not properly completed.

The First Circuit rejected Lorna's argument that United had a duty to notify Myron he was uninsurable, stating that the record does not show a supportable inference that United made an insurability determination regarding Myron's excess coverage.

Insurance companies are not always required to inform you of your insurability status, so it's essential to review your policy documents and understand the requirements for coverage.

United Life Insurance partially denied a claim for life insurance benefits under a voluntary policy due to an uncompleted form.

Myron worked for Duramax and was enrolled in both the basic and the voluntary life insurance policies with coverage to equal three times his annual salary.

Myron designated his wife, Lorna, as the beneficiary of his life insurance policies.

It is essential to note that Myron was not given an Evidence of Good Health form or any other form to complete to satisfy the good health requirement at the time he enrolled in November of 2008.

From November 2008 to Myron’s death in 2018, premiums were paid for both policies.

Duramax sent a census to United every two years that described the number of employees enrolled in the voluntary life insurance policy.

United paid Lorna $236,000 in life insurance benefits—$136,000 for the basic life plan and $100,000 for the guaranteed issue of the voluntary life plan.

United denied Lorna’s claim for the additional $100,000 of excess coverage under the voluntary plan.

Lorna filed suit against United in the District of Maine on October 3, 2019.

The District Court granted summary judgment to United on Lorna’s recovery of plan benefits and breach of fiduciary duty claims.

The First Circuit vacated the summary judgment rulings on the breach of fiduciary duty because the lower court did not address what the record shows about whether United took reasonable steps to confirm Myron’s eligibility for excess coverage in a timely manner after accepting his premiums.