Do not use this terrible, unethical company. My daughted died waiting for their claim.

My daughter worked for Barneys of New York and enrolled into Lincoln Financial Group LFG Critical Care plan through her employer. She died waiting for her claim. Her sister and we her parents (are retired) but utilize our saving to take care of her when she could no longer work full time, part time and not at all. She filed a claim with all of the required paperwork in April of 2019 prior to her transition. LFG asked for more paperwork, then more paperwork. They closed the case when I had sent everything they asked for. To get them to reopen the case I had to resend the same paperwork they already recd. Then they denied the claim, I filed an appeal they denied the appeal. Each time they had a new justification for their denial. I am filing a final appeal but realize they have no intention of paying my daughter’s claim. They received her premiums through payroll for three years but had no intention of ever paying for her critical care. I agree with the many other claimants LFG should be investigated by the Federal government for its practices and malfeasance. Terrible, unethical company. They are legitimized thieves and crooks. Their policies are written to ensure that LFG is protected from paying any claims. Their INCONTESTABILITY statement and their responsibility to their claimants means nothing. Please read your entire small print numerous page individual policy contract because deep in its content buried is a statement to justify them not paying your claim. Do Not use this company. My daughter died waiting for their claim and we are indebted for her care but I will continue to use every resource I can find to ensure that LFG is exposed for their unethical practices.