• How To Avoid A Lincoln Financial Disability Benefit Denial

How To Avoid A Lincoln Financial Disability Benefit Denial

Anyone who is receiving Lincoln Financial disability benefits is constantly nervous waiting for Lincoln Financial to deny their claim and terminate their benefits. At Dell & Schaefer, we offer a monthly claim handling service where we take over every aspect of your Lincoln Financial disability insurance claim and work diligently to prevent our clients from a disability benefit denial. We also have some tips to offer Lincoln Financial claimants that we have found help prevent Lincoln Financial claim denials.

Strong Medical Documentation and Treating with Appropriate Doctors is Essential

The burden of proving disability is on the disability insurance claimant. The best way to prove a disability insurance claim is with strong medical documentation including the treatment you have received from appropriate doctors.

Your doctors will need to provide a Physician’s Statement written on a form provided by the insurance company, but this is generally not sufficient. Your doctors must not just provide a diagnosis and list the treatment they are providing you. They must tell Lincoln Financial what your limitations are due to your diagnosis and how those limitations make it impossible for you to do your job.

This means you must also provide the doctors a complete job description. Then, the physicians can explain how your medical condition prevents you from performing those specific job duties.

A Symptom Log is a Good Tool to Document Your Symptoms and Limitations on a Daily Basis

The physician’s notes often are repetitive and say things like, “Feeling better today.” Lincoln Financial sees this frequent note and uses it as a statement that you can perform your job duties. Keep a daily log of your symptoms and how you are feeling. Ask your doctor to attach your log to your medical records so they will at least be included when Lincoln Financial reviews your medical records.

The Change of Disability Definition Regularly Results in Claim Denials if You Don’t Prepare

For the first two years of most disability insurance policies, you are considered entitled to benefits if you are unable to perform the material duties of your own occupation. After two years, you then must prove to Lincoln Financial you are disabled from performing the duties of any occupation for which you have education, training, or experience. This is the time that many claims are denied.

You need to plan for this change several months prior to the disability definition change. You need to be sure your medical file is strong with as much documentation and updated medical records, including updated testing and treatment to be sure you can still prove your claim.

Creating an Addendum to the Lincoln Financial Claim Form

We almost always find that the claim form Lincoln Financial sends you to fill out is inadequate. The form is just that: a form. It is the same document that is sent to thousands of people across the country. It has no place for you to add the unique circumstances of your case.

Checking boxes “yes” or “no” does not provide enough information to prove your disability insurance case. We always add an addendum so our clients can adequately explain their medical condition, its limitations, and how those limitations prevent them from performing the job duties of any occupation.

At Dell & Schaefer, our monthly claim handling service takes the pressure off you. You will no longer need to deal with phone calls or interviews from Lincoln Financial on your own. Our experienced disability insurance attorneys do everything possible to be sure your claim won’t get denied and your benefits will not be terminated by Lincoln Financial. For information about how we can help you, no matter where you are in your claim process, we offer a free consultation. Contact us at (800) 682-8331.

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Questions About Hiring Us

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   *****

Kathy C.

I consulted with Attorney Cesar Gavidia when my disability insurance benefits were cancelled after 4 and a half years, even though my doctor said that there was no change in my condition and did not recommend that I return to work. He accepted my case and was able to obtain a good settlement in a timely manner.

***** 5 stars based on 202 reviews

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