Lincoln Financial Disability Lawyer Representation for Your LTD Insurance Claim
From our experience we consider Lincoln to be relatively fair with most disability claims that they review. More than 98% of our Lincoln Disability clients have been paid disability benefits. Our disability lawyers have helped Lincoln claimants with the application for benefits, ERISA appeals, Lawsuit and lump sum buyouts of a Lincoln Policy.
It’s important for claimants to understand the appeals process and make sure that they are providing all of the necessary information needed in order to get their claim approved. Claims can be denied for a variety of reasons, including lack of evidence or medical documentation. It is important that claimants understand the requirements and provide sufficient documents to back up their disability claim. Claimants should also be aware of the time limits for filing appeals and understand the full process before submitting their claim.
Collecting Lincoln disability benefits is a reality for many individuals who rely on this type of income protection to maintain their quality of life. Although there can be some complications in getting approved, most claimants are successful. It is important that all individuals understand their rights and take the time to ensure that their claim is properly reviewed and approved.
Who is Lincoln National Corporation?
Lincoln Financial Group is actually the marketing name for the publicly traded parent company Lincoln National Corporation. All of the short-term and long-term disability policies are currently sold under the name of The Lincoln Financial Group. Lincoln National has over $162 billion dollars in assets under management. The Lincoln Financial Group became one of the larger disability insurance companies nationwide after they acquired the Jefferson Pilot Corporation in 2006.
There have been concerns raised about Lincoln Financial Group’s long-term disability policies, particularly regarding delays in claim approval, difficulties with customer service, and claim denials. It is important for claimants to be knowledgeable about their rights and familiar with the process to enhance the likelihood of claim approval.
When it comes to filing for long-term disability benefits with Lincoln Financial Group, it is essential that claimants are aware of the requirements and understand the process in order to increase their chances of success. While some claimants may face delays or denials, most individuals who properly prepare their application and submit all the necessary documentation will be approved for benefits.
Most Lincoln Financial Group disability denials require filing an ERISA appeal
“The medical documentation in your file does not support disability as defined by the policy.” This is, unfortunately, a sentence that thousands of Lincoln Financial claimants have been forced to deal with.
For Lincoln Financial disability policies, it is important to file an Appeal within 180 days of the disability denial. Failing to do so will permanently prevent any possibility of recovering benefits. It is highly recommended to include as much additional medical evidence and vocational support as possible with your appeal.
Our lawyers handle a considerable number of appeals annually, and it is essential to discuss your appeal options with us. It is crucial to be meticulous in the submission process as you have only one opportunity to submit a strong appeal.
Your claims process doesn’t end when you receive an initial denial letter. However, because of the tight window allowed for the appeals process, it’s vital to work with a disability attorney to ensure you receive your rightful disability benefits. ERISA is a complex and pro-insurance company law, but we will do everything possible to make Lincoln Financial pay your claim. To learn more about ERISA appeals and lawsuits we suggest you watch our videos on the ERISA appeal process.
We Are Watching and Reporting on Lincoln Financial’s Every Move
We approach every claim as if we are preparing for a battle. The majority of claims are resolved quickly and efficiently. It is our duty to stay informed about all lawsuits and court decisions involving Lincoln Financial. Below, you will find summaries of lawsuits, resolved cases, and court decisions related to Lincoln Financial. The articles include our legal commentary and tips that may be helpful to you. If you require assistance with your Lincoln Financial disability insurance claim, please reach out to us. We understand the unique challenges that come with filing a disability claim and we are here to help.
We frequently handle cases representing clients in lawsuits against Lincoln Financial for their failure to provide disability benefits. We acknowledge the potential intimidation of filing a lawsuit and assure you that we will make every effort to achieve the most favourable outcome for you. We also work closely with other disability attorneys around the country to stay up-to-date on best practices, recent court rulings, and any new laws that may affect our clients’ claims.
We Want To Know What You Think About Lincoln Financial Group
We welcome you to post a review, complaint or question about your disability claim experience with Lincoln Financial Group. Our lawyers respond to your questions and usually they also reply to reviews.
Our aim is to facilitate communication among Lincoln Financial claimants, allowing them to share their experiences and hold the company accountable. By discussing short and long-term disability claims, our goal is to prevent any unfair or unreasonable actions by Lincoln and minimize wrongful claim denials.
What Issues Do Claimants Face With Lincoln Disability Insurance?
Claimants of Lincoln Financial disability insurance policies often face a number of issues when they file for disability benefits. Many insured individuals have seen their claims denied, delayed or terminated by the company, and some policyholders have even had to resort to filing lawsuits against the company for wrongfully denying or delaying their claims. Some of these issues include:
- Difficulty in obtaining accurate medical evidence to support their claim. Claimants often struggle to provide sufficient documentation proving that they are medically impaired from working due to a disability.
- A complex administrative process that can lead to denials of claims. This process requires meticulous attention to detail and can be incredibly difficult for claimants unfamiliar with the process.
- Unfamiliarity with legal requirements and deadlines, which can lead to delays in the approval or denial of claims.
- Unclear communication from the insurance company regarding what is expected from a claimant during the application process and how decisions will be made on their claim.
- Limited resources available to claimants who need assistance understanding their rights or navigating through the appeals process if their claim is denied.
Claimants of Lincoln Financial disability insurance policies have also reported facing unfair denials due to the company’s use of “own occupation” language in its contracts. This language requires policyholders to be completely unable to perform the duties of their own occupation before they can qualify for benefits, which can make it more difficult for claimants with certain types of disabilities to receive their benefits. Additionally, some claimants have experienced claims delays and denials due to the company’s use of “pre-existing condition” language in its contracts, which can make it more difficult for those with pre-existing medical conditions to qualify for benefits.
What are the common reasons for a Lincoln Financial disability claim denial?
Lincoln Financial has been known to deny disability claims for even the smallest of reasons, making it a challenge for disabled individuals to get the benefits they need and deserve. One reason Lincoln Financial may deny a claim is due to insufficient medical evidence. The disability must be proven by identifying the diagnosis, detailed prognosis, and treatments pursued. When these items are not adequately documented, it can be difficult for Lincoln Financial to make an accurate determination on a claim.
In addition to medical evidence, having an incomplete disability claim form can also lead to denial. All requested documents must be filled out thoroughly and accurately in order for Lincoln Financial to consider a claim further. It is also important that those suffering from disabilities seek proper medical attention before submitting their claims. If surveillance shows that the claimant has not made enough effort in seeking treatment for their condition or if they have any statements that contradict their initial claim, then Lincoln Financial may reject the application altogether.
What to do if Lincoln Financial denies your disability claim
Receiving a Lincoln Financial disability claim denial can be extremely disheartening. You may automatically think that your chances of getting the benefits you have rightfully earned are dashed, but this is simply not true. Ultimately, when it comes to disability insurance claims, a denial does not necessarily need to be the end of the line for prospective beneficiaries.
Fortunately, under ERISA (Employee Retirement Income Security Act), you have the right to appeal your claim denial. It is important to get started on this process right away as the appeal must be filed in a timely manner. To ensure nothing is missed during this process, consulting with a qualified and experienced disability insurance lawyer will help maximize your chances of getting the benefits that you deserve and should not take lightly. Requesting your insurance company file immediately following a Lincoln Financial disability claim denial is also very important, since time can sometimes become an issue when submitting any sort of legal documents, beginning this process from the outset ensures that nothing slips through the cracks or further complicate matters unnecessarily.
How To Avoid A Lincoln Financial Disability Benefit Denial
When it comes to filing for and receiving disability benefits, the process can often be complicated. Not only do claimants have to prove they are medically impaired from working, but they must also navigate through a very complex administrative system that can result in denial of their claim. Attorneys Gregory Dell and Alex Palamara have explored how applicants can best avoid a Lincoln Financial Disability Benefit Denial when applying for benefits.
The attorneys note that one of the primary means of avoiding a denial is to ensure that all paperwork and requirements are fulfilled before the application is submitted. These include providing accurate documentation about your medical history and treatments, details on your employment record prior to the disability, listing any dependents or spouse eligible for potential benefits, other sources of income available outside of Lincoln Financial Disability Benefits, as well as any other pertinent information related to the application. Having all these facets properly documented will go far in showing decision makers that there is sufficient evidence to warrant approval of a claim.
To increase your chances of success when filing a claim with Lincoln Financial Disability Benefits, it is helpful to consult an experienced attorney who specializes in this area of law. An attorney can review all documentation for accuracy and ensure nothing is missed. They can also act as a representative when dealing with the insurance company and can assist in filing a lawsuit if necessary. Additionally, having an attorney can make it easier to properly document your disability and meet all deadlines and legal requirements. When choosing an attorney, it is important to find one with a successful track record in dealing with Lincoln Financial Disability Benefits.
What are some common tactics used by Lincoln Financial to deny disability claims?
Lincoln Financial is known to employ numerous tactics in order to deny disability claims. One of their most common tactics is to accuse claimants of exaggerating or fabricating their symptoms. Lincoln Financial will often request an excessive amount of medical records and documentation in an effort to prove the claimant was not as disabled as they claim. They may also try to disqualify a claimant by claiming they are capable of performing some work duties, even if they are unable to return to their previous position.
Another tactic employed by Lincoln Financial is to deny claims based on inaccurate or incomplete medical evidence. They may also question the validity of a claimant’s diagnosis or dispute the severity of their symptoms as a way to deny disability benefits. If Lincoln Financial finds discrepancies between submitted documentation and previously stated information, they can use this as grounds for denying the claim as well. Additionally, they may use an in-house medical consultant to review a claimant’s medical records without ever actually consulting the claimant or examining them. This could lead to a denial of benefits even if the claimant is legitimately disabled.
Lincoln Financial also has a tendency to rely on incomplete or outdated medical evaluations when considering disability claims. They may fail to take into account recent medical advancements or newly discovered conditions that are relevant to the claim, making it difficult for claimants to receive the benefits they deserve. Furthermore, Lincoln Financial will often select doctors to review disability claims with whom they have a vested interest in protecting their profits over the interests of claimants. This could lead to a denial of benefits based on biased opinions.
Lincoln Financial also has a history of misinterpreting policy language in order to deny benefits. They may interpret vague or ambiguous clauses in a way that is most beneficial for them rather than the policyholder, which can result in an unjust denial of a claim. This practice is especially harmful for those whose disability meets all the criteria stated in their policy but are still denied due to confusing language used by Lincoln Financial.
One of the most concerning tactics used by Lincoln Financial to deny disability claims is their practice of delaying or undervaluing the claim. They may drag out the process to the point where claimants become too discouraged to continue their pursuit for benefits, resulting in a denial. Additionally, Lincoln Financial may offer an insufficient amount of compensation for a disability claim, leaving claimants without enough resources to manage their medical bills .
Lincoln Financial also employs tactics to reduce the amount of benefits paid out by their insurance policies. They may contest the validity of a disability or claim that a claimant is able to perform certain tasks as a means of reducing the overall amount of compensation owed. Lincoln Financial may also use outdated medical information or fail to take into account recent advancements in medicine when determining the severity of an individual’s condition.
