• How to Apply for Disability Benefits with Lincoln FinancialHow to Apply for Disability Benefits with Lincoln Financial

How to Apply for Disability Benefits with Lincoln Financial

If you hold an individual or group long term disability insurance policy through Lincoln Financial and are thinking of making a disability insurance claim, there are some important procedures and steps any disability insurance  claimant should know. These steps often aren’t intuitive, and a single misstep can cause your disability claim to be denied. This article will discuss the ins and outs of applying for long term disability benefits with Lincoln Financial and how the attorneys at Dell & Schaefer can help.

The First Step is to Understand Your Disability Policy Language

Each disability insurance policy can be a bit different, even those issued by the same disability insurance carrier. The first and most important step is to see how your policy defines “disability.” Is a claimant disabled when they can no longer perform their current job, or only if they can no longer perform any job? By knowing what level of disability Lincoln Financial will be looking for when evaluating your claim, you’ll have a better idea of what medical and occupational evidence you’ll need to prevail in your disability benefits claim.

When is the Best Time to File Your Lincoln Financial Disability Benefits Claim?

Because of the timing issues discussed above, there are things to have in place before filing your disability insurance benefits claim with Lincoln Financial to ensure your disability is adequately documented. In some cases, claimants may assume that it’s better to get their long term disability paperwork rolling and then seek treatment for their disabling injury or illness. But once Lincoln begins to review the claim, they see no medical records documenting the disability before the claim was filed, and can reject it for that reason alone. On the other side of the coin, if a disability insurance claimant who has been working with a disability for some time finally decides they just can’t do it anymore, Lincoln may ask, “what changed?” Having adequate medical records that show the progression of a disabling condition over time can make any disability claim stronger.

A Disability Insurance Claim is Only as Good as it Looks on Paper

Lincoln Financial disability insurance claims don’t involve the same back-and-forth seen in legal dramas on TV. In almost all cases, the disability insurance claim will be decided almost exclusively on a paper record, without the benefit of witness testimony. If your medical record is fairly thin, your disability insurance attorney may recommend building it up by seeking additional treatment, documenting your complaints more thoroughly with your doctor, or going for an occupational examination to see whether other careers may be available.

Lincoln Disability Insurance Claim Forms are Generic and Addendums Should Be Used

Lincoln Financial provides disability insurance claim forms designed for claimants to complete on their own, without legal assistance. But because these forms are generic and can’t always capture the information needed to decide your claim, it’s important to use addendums that concisely set forth any additional relevant facts to ensure the administrative record is as comprehensive as it can be.

Selecting the Date of Disability is an Extremely Important Factor for Claim Approval

If you succeed in your claim for disability benefits, you’ll generally be offered payments back-dating to the date of disability and then adding the required elimination period. This means it’s key to select a date of disability that reflects when you were no longer able to perform your occupation (even if you could still drive, travel, or engage in other activities). An experienced disability attorney can help you sift through your medical records, notes, and other documents to better target an accurate disability date.

Dell & Schaefer has helped hundreds of claimants apply for disability benefits with Liberty Mutual. We’re familiar with the process, what Lincoln Financial looks for, and what you’ll need to prove to be approved for disability benefits. Schedule your FREE consultation today to learn more about your options or discuss your claim with a member of our experienced network of disability insurance attorneys.

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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.

Dell & Schaefer Client Reviews   *****

Andrew M., DDS

This firm is knowledgeable in handling disability claims for professionals. It’s important to use a firm with experience because when it comes to filing for disability benefits. You can’t afford to be part of a rookie’s learning curve.

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