Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims

In a recent claim denial our disability law firm is handling for a physician suffering with cervical myeolopathy, Lincoln Financial stated, “A condition warranting surgery does not necessarily equal a condition qualifying an insured for Total Disability.” In this claim Lincoln’s own IME doctor was surprised that the claimant did not have neck surgery. Regardless of the fact that the IME doctor felt the claimant was surgical candidate, he still felt that the claimant did not have restrictions and limitations that prevent him from working.

I am always shocked how a doctor can opine that a person should have their neck cut open to have surgery, yet the claimant’s complaints of pain are not sufficient to support an inability to work. A claimant needs to be especially careful when attending these IME Exams, as the hired gun doctors have almost a free rein to say whatever they want and the insurance companies believe whatever the IME doctor states. Lincoln Financial has thousands of long term disability policy holders and it is scary that they would not correlate a surgical recommendation with the significant complaints of a claimant. Our disability insurance lawyers deal with this exact issue on a daily basis and we help claimants to fight the unreasonable claim handling tactics used by disability insurance companies.

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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.

Reviews   *****

Sherri M.

I had a very pleasant experience working with Rachel Alters from Dell & Schaefer. I very quickly found out that there were no attorneys in my town that had much if any experience when dealing with ligation for a previous employee and the Long Term Disability Company. Once I found Dell & Schaefer I was introduced to Ms. Alters and gave her my information. My case from there was moved forward very quickly.

Ms. Alters worked with me via phone calls, email, fax machine and FedEX. Everything Dell & Schaefer provided as a law firm was exceptional value to me. My case was handled swiftly. I received great Customer Service. My voice was heard through Ms. Alters and I never left my home. Throughout a handful of conversations my case was settled without ever going to court! In a manner of about ten months from start to finish is all the time that it took to resolve the case.

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