Lincoln Financial Overturns Denial of ERISA Long Term Disability Claim for Dell Disability Lawyers Client, But There Is A Catch
A Client of Dell Disability Lawyers was forced to file an administrative appeal after Lincoln Financial Group denied his continued claim for ERISA Long Term Disability benefits. Previously employed as a Vice President at a private liberal arts college in the northeast, our client was forced to leave work in early 2012 due to the restrictions and limitations of a multitude of conditions. His conditions include Refractory Insomnia, Occipital Neuralgia, Chronic Intractable Headaches, Chronic Migraines, Chronic Pain Syndrome, Myofascial Pain, Chondrocalcinosis, Cervicalgia, Essential Tremor, Benign Paresthesia, Numbness and Tingling in the Bilateral Upper and Lower Extremities, Neuralgia, Extreme Fatigue, Enteropathic Arthropathy, Osteoarthritis of the Bilateral Knees and Left Hip, Severe Joint Pain, Nausea and Vomiting, Dizziness, Hypogonadism, Inflammatory Bowel Disease, Metabolic Disorder, Short Term Memory Loss, Anxiety and Depression.
Even with these countless disabling conditions affecting our client and even with the overwhelming support of his treating physicians and the medical documentation, Lincoln Financial only initially paid disability benefits from June 2012 through September of 2012. After his initial denial, this client found and contacted our law firm for representation.
Dell Disability Lawyers Files Administrative Appeal
After gathering all the medical documentation and reviewing the claim file, Attorney Alexander Palamara of Dell Disability Lawyers filed an administrative appeal challenging Lincoln Financial’s decision to deny benefits beyond September 2012. The appeal was successful. Shortly after the appeal was sent to Lincoln, the insurance company sent a letter awarding disability benefits. The initial letter dated December 2, 2013 indicated that the insurance company would pay disability benefits for the first 24 months of the claim. This would mean that the client would be paid through May 24, 2014. Although a second appeal would need to be filed for the time period beyond May 24, 2014, our client was very pleased as he would be paid benefits through May 24, 2014.
Unfortunately for the client, Lincoln Financial sent a second letter dated December 9, 2013 whereby now it indicated that it only found support for impairment through August 29, 2013. Why this information was not included in the original approval/denial letter of December 2, 2013 is unknown. This information should have been included especially in light of the fact that the December 2, 2013 letter needs to be appealed.
Lincoln Fails to Return Phone Calls
After receiving the second letter indicating that benefits would only be paid through 8/29/13, numerous phone calls were placed and numerous voicemails were left to Lincoln asking for clarification as to why benefits would be denied as of that date. Senior LTD Benefit Specialist Stacy Wellman failed to ever return the calls of Dell Disability Lawyers. In fact, Lincoln never returned any calls. Attorney Alexander Palamara was finally able to reach someone at Lincoln on January 7, 2014. On that date, Dell Disability Lawyers was advised that our client’s file was again transferred to a new benefit specialist. Unfortunately for our client, this benefit specialist had just been assigned the case and was ignorant of the facts and had no idea why benefits had not been paid beyond 8/29/13.
Money Paid
The Silver Lining of this ongoing fight with Lincoln is that our client has received a sizeable back benefit check for the time period of September 2012 through the end of August 2013. This money has helped our client through these trying times of disability and dealing with Lincoln Financial. Our client can also rest assured that future benefits will be forthcoming from Lincoln for the period of August 2013 forward. Should they not be, a lawsuit will certainly be filed by Dell Disability Lawyers as soon as possible under the law.
Resources to Help You Win Disability Benefits
Submit a Strong Lincoln Financial Appeal Package
We work with you, your doctors, and other experts to submit a very strong Lincoln Financial appeal.
Sue Lincoln Financial
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Lincoln Financial.
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.
Policy Holder Rating
Lincoln Financial made my life a living hell
Reply
Lincoln Financials wants to claw back my money
Reply
This is the second time I've been shorted in my check
Lincoln Financial denied my STD claim because one doctor didn't send them my medical information.
Reply
Lincoln cancelled my benefits because my doctor's notes were handwritten
Reply
Lincoln denied my disability claim even though Dr said I couldn't work
Reply
Lincoln doesn't think renal failute and 4 dyalisis treatments per day are enough to be. Disabled
Reply
They promised me min 10% of my salary and max 60%. I got 6%
Reply
Q: If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time?
Q: Does Lincoln Financial apply offsets to all claimants equitably?
Q: Does payback to Lincoln Financial, once approved for SSDI, include the first year?
Q: Is LF's doctor, who never spoke with me or evaluated me, allowed to clear me for work?
Q: Can LF discontinue my mental health benefits after 24 months?
Q: Can Lincoln Financial deny a total disability claim approved by a federal judge? Can I get a lump sum payout instead of fighting with them for the next 9 years?
Q: Do I have to tell Lincoln Financial that I was denied for SSDI?
Q: What do I do if LF denied my claim because depression is "mild, not severe"?
Has Lincoln Contacted You About Your Liberty Disability Claim?
Is Lincoln Relying on MDGuidelines to Review Disability Appeals?
Lincoln Financial to Buy Liberty Life - Does This Affect My Disability Claim?
What Can A Claimant Expect With A Lincoln Financial Group Disability Claim?
Do You Know The Job Requirements To Be A Lincoln Financial Disability Claim Specialist?
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Lincoln Approves Long Term Disability Benefits After Four Year Fight
Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal
Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
After Appeal, Lincoln Overturns Denial of LTD benefits for Trucking Supervisor
Dell Disability Lawyers Wins Short Term Disability Appeal Against Lincoln
Lincoln National Life Insurance Company overturned previous denial of long term disability benefits for Wyoming Professor
Dell Disability Lawyers Administrative Appeal for Cafeteria Manager Forces Lincoln to Re-Approve Disability Claim
Computer Programmer is back on claim receiving LTD Benefits after Attorney proves to Lincoln it acted wrongly
Reviews from Our Clients






