Lincoln Financial denied my daughter's claim on the basis of repeated calls to the doctor's office, when in reality they had never contacted them.

My daughter has been out of work for two months, fighting with Lincoln Financial the whole time They dodge phone calls and give out misinformation over the phone. One day she was told it was being sent to be reviewed, the next day, a completely different department called her to say a letter had been sent out the week before with the denial, but they didn’t know what the denial reason was. When she got her letter, it stated they had repeatedly asked for documentation from her doctor. When she called her doctors office, they advised they had NEVER BEEN CONTACTED. My daughter got the information that was requested and had it sent in, now Liberty is telling her it is an appeal because it was denied the first time. (Even though it was denied because they never told anyone they needed the information and her doctor missed a deadline). Funny how easy it is to miss a deadline when no information is requested. Today she called them and now has been told it will be 45 days to review. My daughter has zero income, waiting 45 days will ruin her. Is there anything that can be done?