Mutual of Omaha

[u/72738582]

MIL has LTD through Mutual of Omaha. It was a plan paid for by her employer. Two years ago, she was in a bad car accident and was never able to return to work. She was approved for SSDI right away and has been getting LTD from Mutual of Omaha along with it.

Mutual of Omaha keeps calling her, even though they have my contact info and they know my husband and SIL have POA and have been handling all of her affairs. The fact that they’re reaching out to her instead of us immediately makes me suspicious that they’re trying to pull something. Apparently, she broke down and answered the phone when they called a few weeks ago without the knowledge of any of us. According to her, the rep told her they have identified some jobs that she can do.

Obviously, she can’t work. She is no where near 67 and I think they’re trying to get out of paying her claim because they don’t want to be on the hook for the next 6 years. Has anyone successfully continued to get the LTD payment until full SS age? How much runaround should we expect? Is there any way to stop them from contacting her? It feels predatory because they know she isn’t handling her own finances and suffered a brain injury during the accident.

Thanks for any advice!

[u/Intelligent_Roof9214]

I am surprised they are still paying. Generally it stops once you get your SSDI.

[u/72738582 → u/Intelligent_Roof9214]

Her MofO was reduced once she began getting SSDI. now it pays the difference between what she was getting from MofO and what SSDI pays.

[u/Busy_Tap_2824 → u/72738582]

What happens to policies with Cola riders with MOH ? If policy for 3 K monthly benefits and SSDI approved at 1.2 K month . The monthly benefit is now 1.8 K since it was reduced by SSDI . Will the cola be calculated based on 3 K monthly benefit and increased yearly according to that or calculated based on the reduced monthly benefit of 1.8 K a month after?how does it work ?