After appeal filed by Attorney Jay Symonds, Lincoln National overturned its previous denial of long term disability benefits for Washington Sales Representative

Our client, Mr. E, formerly worked as a Sales Representative for a domestic beverage distributing company. In July 2016 a number of medical issues, including the debilitating effects of Lumbar Intervertebral Disc (IVD) Syndrome with radiculitis to his bilateral extremities forced Mr. E to stop working and submit his claim for disability benefits first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. Both benefits were funded and administered by Lincoln National (Lincoln). Under his employer’s disability policy Mr. E would be considered totally disabled if he was unable to perform the material and substantial duties (i.e., main duties) of his own regular occupation. Material duties included, among other things, those job tasks normally required to perform his occupation and could not reasonably be modified.

After paying Mr. E for 1 week under the Policy’s “own occupation” definition of disability, Lincoln denied continued LTD benefits on the basis that he allegedly no longer met the policy definition of disability. Specifically, Lincoln stated that “the medical documentation contained in [Mr. E’s] file does not support continued Total Disability.” After receiving the denial, Mr. E contacted Dell & Schaefer and discussed his case with Attorney Jay Symonds. Attorney Symonds identified several significant issues in Lincoln’s denial letter and in the evidence it relied on and agreed to prepare and submit Mr. E’s ERISA appeal with the assistance of his appeal team.

The LTD appeal addressed all of Lincoln’s short-comings and reasons for denial, with a special focus on the medical records on and around the date of Lincoln’s denial and significant inconsistencies with its medical reviewer’s findings. The appeal next addressed Lincoln’s contention that ongoing disability was not supported because it alleged “there was no active treatment.” However, Mr. E’s primary treatment provider’s Attending Physician’s Statement (APS) clearly established that Mr. E’s condition as of the date Lincoln ceased payments was disabling – which Lincoln agreed – and expected to continue for at least 6 months or more. And his subsequent treatment sessions in March and May 2017 not only confirmed The APS’s medical opinion but establish that Mr. E’s condition had, in fact, deteriorated. Consequently, Lincoln’s attempt to justify its denial by claiming that there was “no active treatment” mischaracterized the record evidence and was not the result of a full, fair, thorough and honest investigation of Mr. E’s claim.

Just over four weeks later, and after reviewing the appeal and hundreds of pages of exhibits and medical records, Lincoln overturned its decision to terminate benefits and reinstated Mr. E’s long-term disability benefits.

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FAQ

Do you help Lincoln Financial claimants nationwide?

We represent Lincoln Financial clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Lincoln Financial disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Lincoln Financial. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Lincoln Financial.

How do you help Lincoln Financial claimants?

Our lawyers help individuals that have either purchased a Lincoln Financial long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Lincoln Financial:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

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