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.
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
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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.