Migliaccio & Rathod LLP is investigating whether Mutual of Omaha long-term care insurance policyholders have been improperly charged premiums after qualifying for a contractual waiver of premium.
Certain Mutual of Omaha long-term care insurance policies include provisions that waive premium payments while the insured is receiving qualifying covered care. Depending on the policy, the waiver may begin after an elimination period or once other contractual requirements are satisfied. Policyholders who have paid premiums for many years may not realize that they are no longer required to make payments during certain periods of covered care.
Migliaccio & Rathod is investigating whether Mutual of Omaha continued billing or collecting premiums during qualifying waiver periods, failed to apply the correct waiver start date, or improperly withheld refunds for premiums that should not have been collected.
Policyholders May Have Experienced:
- Continuing to receive premium bills after qualifying for long-term care benefits;
- Having premiums automatically withdrawn while receiving covered care;
- Being charged premiums after satisfying the applicable elimination period;
- Having a premium waiver begin later than required by the policy;
- Paying premiums during periods when coverage should have been provided without additional payments; or
- Difficulty obtaining refunds or explanations for premiums collected during qualifying waiver periods.
Potential Claims May Include:
- Failure to honor contractual premium waiver provisions;
- Improper collection of long-term care insurance premiums;
- Incorrect calculation of premium waiver eligibility dates;
- Breach of insurance contract; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You purchased a Mutual of Omaha long-term care insurance policy;
- Your policy includes a waiver of premium provision;
- You received qualifying covered long-term care services;
- You satisfied the applicable requirements for a premium waiver;
- Mutual of Omaha continued billing or collecting premiums after the waiver should have begun; or
- You have the policy, benefit approval records, and premium payment statements.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.