Lincoln Financial
Lincoln Financial denied my LTD claim, but I didn't appeal it within 180 days. Looking to potentially appeal now.
I received my 1st SSDI check in June 2014. I applied for my long term disability in Jan 2014. I was denied because they didn’t have enough medical records at that time. So that rocked on until I received my SSDI. It did say I had 180 days to appeal the claim but I didn’t because I wasn’t aware that I could draw till I’m 65. I just found out a couple months ago. Can anyone help me at this point. I paid for this insurance for 22 years!
Reply
Marilyn, under a Lincoln Financial disability policy, Lincoln would have paid you a monthly benefit up to age 65 (depending on any limitation language in the policy) less the amount that SSDI pays you. However, the largest concern is the fact you did not appeal the denial of benefits within 180 days, which could preclude you from pursuing any legal recourse. You can attempt to ask Lincoln to provide you an appeal, but since it appears a couple years have passed since the denial they may not accept an appeal.
