Lincoln Financial

Dealing with Lincoln Financial was a struggle, and they cut me off even though I have a proven disability.

Reviewed by Bill on November 19th 2014   Verified Policyholder
In June of 2012, I left my job and went on State disability for one year. I am diagnosed with severe depression along with Bipolar. The list of medications is too long to include here. When my one year of State Disability ran out, Lincoln Financiall picked me up and began monthly payments to me. Every month was a goofy struggle to gather paperwork, fax it in… they say they never got it, threatened to stop my payments. This happened to me every month. Along the way, they had me file for Social Security Benefits. In May of 2014 they notified me I was no longer eligible for benefits and cut me off. I have not brought any money into my home since May. During all of this I kept going to therapy and doctor visits. I stuck it out until October of this year and the Administrative Law Judge approved my disability on the spot. The reality is Lincoln Financial never should of stopped paying me. Now I just learned, when I receive my back pay from Social Security, I have to pay back Lincoln Financial all of the money I received from them. I have been homeless, suicidal, alcohol dependent and struggle with manic episodes. Again I have been approved for Social Security, I just wish I could hold Lincoln accountable.
Reply
Sent on November 19th 2014 by Attorney Stephen Jessup

Bill, I am sorry to hear of your struggles. Did you ever appeal the denial of your benefits by Lincoln Financial? ERISA provides 180 days to file same, and failure to do so could result in you being unable to file a lawsuit. Social Security is certainly strong evidence of disability to be considered by Lincoln Financial, but receipt of SSDI does not guarantee coverage under an private policy. Please feel free to contact our office to discuss how we may be able to assist you.