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 Group 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 long-term 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 include all relevant medical evidence and 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 with 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, to receive long-term disability benefits, you 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 change in the definition of disability. You need to be sure your medical claim file is strong with as much documentation and updated medical records, including updated objective evidence such as testing and treatment, to be sure you can still prove your claim on your initial application.
Creating an Addendum to the Lincoln Financial’s 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.
While an administrative appeal is not uncommon with long-term disability claims, it’s one we know you would prefer to avoid the appeals process altogether.
At Dell Disability Lawyers, 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 attorneys will do everything possible to be sure you won’t receive a wrongful denial.
Avoid termination of benefits by Lincoln Financial by allowing our disability lawyers to handle your claims. For information about how we can help you, no matter where you are in your claim process, we offer a free consultation. Call us at 800-698-9159.
Resources to Help You Win Disability Benefits
Get Your Lincoln Financial Disability Application Approved
Prevent a Lincoln Financial Disability Benefit Denial
Negotiate a Lincoln Financial Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.