Mutual of Omaha Life Insurance Claim was Denied?
If your Mutual of Omaha life insurance claim was denied you need to speak to us at the Center for Life Insurance Disputes. We get more denied life insurance claims paid than any other firm. Over $250,000,000.00 recovered for our clients and no down payment is ever required.
The Center for Life Insurance Disputes
1-888-428-4868
Mutual of Omaha doesn’t want to pay death claims if they don’t have to. They look for reasons to deny a claim. Having strong representation to hold them accountable to fairness and regulations is the best way to assure your death claim is paid.
Contact us for no-retainer representation of your claim.
Life Insurance Claims Denied for Medical Reasons
Medical claim denials are our specialty.
Insurers look for reasons to deny claims and the most common one they use is that an answer on the application about the insured’s medical history was answered wrong.
After the insurer gets all of the deceased’s medical records they plow through them looking for things that give them a reason to deny the claim. How often are they wrong? Their process isn’t perfect. It’s usually done by one person looking at records they don’t know anything about. Getting a professional claims expert involved can make all the difference between a denied claim and a paid claim.
We have our own doctors and medical experts who review health histories and give qualified opinions about whether a person’s medical records demonstrate an unknown risk to the insurer and if it was material.
If a medical condition doesn’t create a greater mortality risk for an insurer then they can’t deny a claim just because the information wasn’t provided on their application for a life insurance policy. We know the claim process and how to get to the truth.
Life Insurance Claims Denied for Other Reasons
Criminal history. Drunk driving. Stated Income is wrong. Not a citizen. Not a proper beneficiary. Not an accident. Competing claimants. On and on.
We have experience with all the reasons life insurers deny life and accidental death claims.
We’re Life Insurance Specialists
We’ve found that there are very few lawyers who specialize in life insurance claims. Unlike disability claims and worker’s compensation claims, most lawyers have very little exposure to how life insurance policies are issued and how claims are handled. Life insurance claims are our only business.
What we do for our clients?
We compare the insurers underwriting requirements to the medical records of the insured. This may not seem important because the person has already died, but one of the big issues in all claims is whether the medical history was relevant when the policy was issued. Even if someone didn’t disclose a medical condition or treatment that the insurer is challenging, it may not matter if it wasn’t significant enough to make a difference when the policy was issued. Having access to underwriting guides is vital.
Our medical experts review medical records looking for every reason to get a claim approved and contribute their findings and opinions to our final Report sent to the insurer.
We have our medical experts review autopsy and toxicology reports and use the information in creating their Report conclusions.
We do drug-to-drug interaction analysis which is very important for accidental overdose claims.
We expedite records. The insurer won’t take medical records from a beneficiary (for obvious reasons). They’ll take them from us.
When the beneficiary isn’t the surviving spouse they can’t sign for medical record release. They aren’t the next of kin. We get the needed legal authorization so the claim can proceed.
We use our HIPPA form to get the medical records. We don’t accept delays and we don’t wait for faxes and mail – we act.
We take all of the information we’ve gathered and we write a formal Report describing why the claim should be paid based on the analysis we’ve conducted. We rely on specific evidence and the conclusions our team identifies that support payment of the claim.
Why does our opinion matter more than someone else’s?
Stephen C. Burgess has been approved by multiple US Courts to offer his opinions for life insurance claims and disputes. His testimonial history, claims and underwriting experience, and industry knowledge make his opinions about claims more qualified and respected to both insurance and legal professionals than nearly anyone else.
What You’re Up Against When Submitting a Life Insurance Claim
“We’re not in the business of showing beneficiaries how to prove a claim should be paid.” This is a quote taken directly from one life insurer’s Claims Examination manual.
The insurer will assign an investigator and a claim examiner to your life insurance claim. Make no mistake, their jobs are to thoroughly sift through every document they can find that will give them a reason to deny your life insurance death claim.
That’s who’s working against you. The question is, “Who’s working for you?”
Contact us at 1-888-428-4868 for help with your Mutual of Omaha life insurance claim.
Mutual of Omaha Life Insurance Claim forms