I paid my long and short term disability premiums for 7 years. When I became sick at work due to toxic chemicals printing plant) and was declared disabled by both my general practitioner and a pulmonologist, some pencil pushing doctor at the Mutual of Omaha decided I wasn't disabled, even though he didn't bother to examine me. They refused to pay the short and long term disability, leaving me high and dry waiting for SSI. Don't bother paying premiums to this reip-off company - no matter how sick you are you'll never collect a penny.
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