Lincoln Admits It Was Wrong To Deny Disability Insurance Claim

Our client was the director of Volunteer Services for a large healthcare system for many years who had received numerous accolades and awards during her tenure. She had every intention to continue down her chosen career path until her life was tragically turned upside down when she suffered a blow to her head that resulted in permanent Epileptic seizure activity, cognitive impairment, difficult speaking and extreme fatigue. Unable to perform the duties of her job she filed for disability benefits under her employer’s group disability insurance policy with Lincoln National Life Insurance Company. Initially, Lincoln had approved her claim for benefits based on the medical information it received that it determined was sufficient proof of disability. However, within a year of the initial award of benefits, Lincoln had a change of heart and determined that the medical evidence it had once deemed proof of disability was no longer supportive of our client’s inability to return to her former occupation. After receiving her denial letter, she contacted attorneys Dell and Schaefer and spoke with Attorney Stephen Jessup.

In the denial letter Lincoln argued that the basis of our client’s disability and the source of all of her symptoms were nothing more than a Vitamin B-12 deficiency. Lincoln went on to note that due to the fact her medical records indicated that the B-12 deficiency was resolved she no longer met the definition of disability. It was clear that Lincoln was cherry picking information from her medical records while disregarding information that supported her ongoing disability.

Attorney Jessup quickly obtained a copy of the claim file along with a copy of her complete medical records. Review of the information only made Attorney Jessup realize how ridiculous Lincoln’s denial of our client’s claim for benefits was as there was a plethora of information supporting disability from a physical and emotional standpoint. Attorney Jessup coordinated with her treatment providers to address Lincoln’s contention and to mount a comprehensive front to ensure our client’s claim had the best chance of being reinstated. Following the submission of the appeal, our client’s claim for benefits was reinstated well in advance of the 45 days allotted under the law to Lincoln to render a decision.

Has your insurance company ignored your medical history?

It is not uncommon for insurance companies to cherry pick information from medical records that is favorable to their position, all while ignoring the information that supports disability. If your disability insurance carrier has denied your claim or you feel that they are not properly reviewing and considering your medical conditions, please feel free to contact Attorneys Dell & Schaefer to discuss how we may be able to assist you.

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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   *****

Martha B.

Working with Stephen Jessup and Vanessa Arriaga has been a joy! They have been tireless in their work and have made Sunlife overturn their decision. Every call or email has been promptly addressed and they have been incredibly available even around holidays! Always courteous and professional communication is greatly appreciated. After communications with Steve I feel very protected and sure that all will work out well. They have even made anything needed from me as easy as possible! I have and will continue to recommend this law firm and S. Jessup in particular!

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