Mutual of Omaha/United of Omaha Insurance Company Denials Attorney
When Mutual of Omaha or United of Omaha Gets Your Disability Claim Wrong
Mutual of Omaha and United of Omaha disability claims are often closely connected in the way they are issued, administered, and evaluated. Public materials from Mutual of Omaha identify United of Omaha Life Insurance Company as an affiliate, and Mutual of Omaha’s disability materials publicly reference Mutual of Omaha and United of Omaha together in the disability claims process. These claims often turn on how the insurer interprets the policy, evaluates the medical record, and assesses a claimant’s ability to work. In some cases, the dispute is over the definition of disability. In others, the issue is whether the insurer fairly considered the medical evidence, properly evaluated functional limitations, or relied on reviews and vocational assumptions that do not match the full record.
Eric Buchanan & Associates has extensive experience representing policyholders nationwide in disability insurance and ERISA claims involving Mutual of Omaha and United of Omaha. We know these cases are rarely just about one diagnosis or one job description. They often come down to how the insurer framed the claim, what evidence it emphasized, what it discounted, and whether the review process was fair from the beginning.
Documented History Of Mutual Of Omaha Claims Practices
Continuing Proof of Loss Requirements
Public Mutual of Omaha disability claim materials show a continuing claim process that asks for updated information about treatment, work status, and the claimant’s condition as part of evaluating disability benefits.
Broad Claim Information Requests
Public disability claim materials also show a process that gathers detailed claim information for review, including forms and authorizations used to evaluate eligibility for disability benefits.
Focus on Functional Capacity
Mutual of Omaha’s public disability materials and EBA’s public case summaries reflect how these claims often turn on functional limitations, work capacity, and whether the insurer’s evaluation matches the full medical record.
Our Successful Cases Against Mutual of Omaha/United of Omaha Insurance Companies
Bailey v. United of Omaha Life Insurance Company
In Bailey v. United of Omaha Life Ins. Co., 938 F. Supp. 2d 736 (W.D. Tenn. 2013), the court reviewed United of Omaha’s denial of a claimant’s long-term disability (LTD) benefits under the arbitrary and capricious standard, applying heightened skepticism due to the insurer’s inherent conflict of interest as both the plan evaluator and payor. The court determined that the insurer’s decision-making process lacked a deliberative and principled reasoning process, finding that United of Omaha improperly relied solely on flawed, conclusory file reviews by one physician and two nurse case managers who never physically examined the claimant despite having the policy right to do so. Furthermore, these reviewers failed to provide adequate explanations for their conclusions, neglected to reconcile their findings with contradictory medical evidence, and mischaracterized the claimant’s treating physician’s reports. Consequently, the court held that the denial was arbitrary and capricious and remanded the claim back to United of Omaha for a proper evaluation on the merits.
Harris-Frye v. United of Omaha Life Insurance Company
In Harris-Frye v. United of Omaha Life Ins. Co., a beneficiary challenged an insurance company’s denial of life insurance benefits for her deceased father, a union member whose coverage depended on whether he was disabled when his “banked” union coverage ended rather than when he stopped working. Agreeing with the U.S. Magistrate Judge’s Report and Recommendation, the district court ordered United of Omaha to properly evaluate the decedent’s disability status at the time coverage terminated. Furthermore, the court held the union’s board of trustees liable under ERISA § 502(c) for failing to timely produce critical plan documents upon the plaintiff’s written requests. Rejecting the union’s defense that its summary plan description was sufficient, the court emphasized that official master plan documents dictate plan terms under Supreme Court precedent and awarded the plaintiff a total of $74,140 in statutory penalties for the union’s bad-faith delays in providing the policy and master plan documentation.
Mutual of Omaha Claim Practices and Legal History
Mutual of Omaha and United of Omaha claim practices and legal history often center on whether the insurer fairly evaluated the medical record, properly applied the policy’s definition of disability, and used a reasoned process to reach its decision. Public Mutual of Omaha materials identify United of Omaha Life Insurance Company as an affiliate, and Eric Buchanan & Associates has handled United of Omaha disability litigation involving those same issues.
Why Mutual of Omaha/United of Omaha’s Claim Practices Matter to Your Case
These cases matter because disability claims often turn on the administrative record. When the insurer relies on flawed reviews, discounts important evidence, or fails to explain its reasoning, the outcome can be challenged. That is why building a strong record from the beginning is so important.
See Our Happy Client Reviews
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. Financial Pressure on Claim Decision Makers
Financial pressure can influence disability claim decisions when the insurer evaluating the claim is also responsible for paying benefits. In that environment, there may be an incentive to interpret the record narrowly, rely on paper reviews, and frame close cases in a way that supports denial. That is why it is important to closely examine how Mutual of Omaha and United of Omaha evaluated the medical evidence, functional limitations, and occupational demands in a disability claim.
How We Approach Mutual of Omaha and United of Omaha Disability Claims
Eric Buchanan & Associates approaches Mutual of Omaha and United of Omaha disability claims by closely reviewing the policy language, the medical evidence, the occupational demands of the claimant’s job, and the insurer’s stated reasons for denial or termination. We focus on whether the claim was evaluated fairly, whether the record was fully developed, and whether the insurer relied on reasoning that matches the full evidence.
Because these cases are often decided on the administrative record, our goal is to build a clear and well supported claim file before critical deadlines pass. That can include strengthening treating provider support, clarifying restrictions and limitations, addressing file reviews and vocational assessments, and identifying gaps in the insurer’s analysis. When necessary, Eric Buchanan & Associates prepares these claims for litigation and challenges disability decisions that are not supported by the record.
Our Role As Advocates
Eric Buchanan & Associates represents claimants in disability insurance appeals and litigation nationwide. In Mutual of Omaha and United of Omaha disability claims, our role is to identify where the insurer’s analysis fell short, strengthen the administrative record, and present the medical, vocational, and legal support needed to challenge a wrongful denial or termination of benefits.
We understand that these claims often turn on more than a diagnosis alone. They can depend on how the insurer evaluated restrictions and limitations, interpreted the policy, weighed the medical evidence, and assessed the claimant’s ability to work.
Our job is to make sure those issues are fully developed and clearly presented at every stage of the claim and appeal process.
Contact Us Today!
You don’t have to deal with the insurance company alone. If your claim was denied, delayed, or handled unfairly, our team is ready to review your case and help you understand your next steps. Call: (877) 634-2506