How to Apply for Disability Benefits with Lincoln Financial
If you hold an individual or group long term disability insurance policy through Lincoln Financial and are thinking of making a disability insurance claim, there are some important procedures and steps any disability insurance claimant should know. These steps often aren’t intuitive, and a single misstep can cause your disability claim to be denied. This article will discuss the ins and outs of applying for long term disability benefits with Lincoln Financial and how the attorneys at Dell & Schaefer can help.
The First Step is to Understand Your Disability Policy Language
Each disability insurance policy can be a bit different, even those issued by the same disability insurance carrier. The first and most important step is to see how your policy defines “disability.” Is a claimant disabled when they can no longer perform their current job, or only if they can no longer perform any job? By knowing what level of disability Lincoln Financial will be looking for when evaluating your claim, you’ll have a better idea of what medical and occupational evidence you’ll need to prevail in your disability benefits claim.
When is the Best Time to File Your Lincoln Financial Disability Benefits Claim?
Because of the timing issues discussed above, there are things to have in place before filing your disability insurance benefits claim with Lincoln Financial to ensure your disability is adequately documented. In some cases, claimants may assume that it’s better to get their long term disability paperwork rolling and then seek treatment for their disabling injury or illness. But once Lincoln begins to review the claim, they see no medical records documenting the disability before the claim was filed, and can reject it for that reason alone. On the other side of the coin, if a disability insurance claimant who has been working with a disability for some time finally decides they just can’t do it anymore, Lincoln may ask, “what changed?” Having adequate medical records that show the progression of a disabling condition over time can make any disability claim stronger.
A Disability Insurance Claim is Only as Good as it Looks on Paper
Lincoln Financial disability insurance claims don’t involve the same back-and-forth seen in legal dramas on TV. In almost all cases, the disability insurance claim will be decided almost exclusively on a paper record, without the benefit of witness testimony. If your medical record is fairly thin, your disability insurance attorney may recommend building it up by seeking additional treatment, documenting your complaints more thoroughly with your doctor, or going for an occupational examination to see whether other careers may be available.
Lincoln Disability Insurance Claim Forms are Generic and Addendums Should Be Used
Lincoln Financial provides disability insurance claim forms designed for claimants to complete on their own, without legal assistance. But because these forms are generic and can’t always capture the information needed to decide your claim, it’s important to use addendums that concisely set forth any additional relevant facts to ensure the administrative record is as comprehensive as it can be.
Selecting the Date of Disability is an Extremely Important Factor for Claim Approval
If you succeed in your claim for disability benefits, you’ll generally be offered payments back-dating to the date of disability and then adding the required elimination period. This means it’s key to select a date of disability that reflects when you were no longer able to perform your occupation (even if you could still drive, travel, or engage in other activities). An experienced disability attorney can help you sift through your medical records, notes, and other documents to better target an accurate disability date.
Dell & Schaefer has helped hundreds of claimants apply for disability benefits with Lincoln Financial. We’re familiar with the process, what Lincoln Financial looks for, and what you’ll need to prove to be approved for disability benefits. Schedule your FREE consultation today to learn more about your options or discuss your claim with a member of our experienced network of disability insurance attorneys.
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.