Question
Are there things that can be done proactively to ensure that LFG's 2 year evaluation does not disqualify an insured?
I have been getting disability benefits from Lincoln for about a year. My understanding is that after two years they make you get an evaluation and if they decide you can do any type of work, you lose your benefits. Are there things that can be done proactively to ensure this evaluation does not disqualify an insured? I have a chronic condition, but to a casual observer I seem fine. The medical treatments I have received are all well documented and my doctor finally seems to understand that there is no way I can work. My case manager always talks to me like I am some kind of malingerer, and that makes me very nervous. Compared to some of the horror stories on this site, I feel blessed by the treatment I have received thus far – and I want to keep it that way.
Answer
If your definition of disability changes from own occupation to any occupation than Lincoln will definitely take a very close look at your claim. You should watch our video on the Top Five Reasons That Disability Claims Are Denied. You need to make sure that your treating doctors are aware of the change of the definition. You need to continue treating with your doctors regularly and document that you cannot do any work as a reliable employee. If your definition changes at two years, then the disability company will usually begin their change of definition evaluation at 18 months. We regularly represent clients on a monthly basis in order to prepare for changes in definition and dealing with the carrier on a daily basis.
