Lincoln Financial Disability Help

Question

Does payback to Lincoln Financial, once approved for SSDI, include the first year?

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

Asked on March 28th 2021 by Bruce S.

I have been on long term disability, since Aug 2019, which ends in October of 2021. I just got approved for SSDI, and received back pay totalling $39,000. When I first started getting LTD, we were told that payback to Lincoln, once approved for SSDI, excluded the first year. I have several friends who have verified they also we’re not required to payback the first year. I am now being told I owe Lincoln $40,000.

Answer

Answered on August 25th 2022 by Attorney Jay Symonds

Bruce: Most group policies require payback for any month in which you received a full LTD benefit and then, subsequently, a retroactive SSDI payment. SSDI does not pay benefits for the first 5 months and most carries do not require repayment for any SSDI attorney fees you paid out from your retroactive award. Lincoln should send you an explanation of benefits detailing how they calculated the over payment amount. If the calculation seems incorrect for some reason I suggest you contact our office and speak with one of the attorneys to discuss in more detail your circumstances and your options.

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Lincoln Financial Reviews

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From the very start they have not tried to work with me at all. So I went out for a knee surgery and it took a month and a half to get my first check. When I had turned al...

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These people must not be human, they have no regard for people

Reviewed by Ann on December 16th 2025 Verified Policyholder | September 2025 date of disability

LF has no sense of urgency for people without money to buy food, pay rent, etc. They take their sweet time and it's almost like they enjoy it. I have an appeal pending for...

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Reviewed by SC on December 16th 2025 Verified Policyholder | August 2025 date of disability

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Reviewed by Monique on September 29th 2025 Verified Policyholder | July 2025 date of disability

I went on disability in July, we are now in September. I have been through 2 case managers. They never call you back, they are constantly asking for documents and when I s...

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A: When you refer to a reasonable accommodation I assume you mean a workplace accommodation request to your emplo...

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Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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Question

Does payback to Lincoln Financial, once approved for SSDI, include the first year?

Answer

Resources to Help You Win Disability Benefits

Submit a Strong Lincoln Financial Appeal Package

Sue Lincoln Financial

Get Your Lincoln Financial Disability Application Approved

Prevent a Lincoln Financial Disability Benefit Denial

Negotiate a Lincoln Financial Lump-Sum Settlement

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