Lincoln Financial doesn't want to know the truth about your disability, they just want to find ways to say you're not disabled.

Lincoln Financial long term benefits were supplied by my employer. In Feb 2012 I tore my labrum of my right hip. Continued to work until October 2012 when the pain was so bad I was no longer able to sit, stand or walk without taking narcotics. I am a nurse and cannot work while taking pain meds. It took until Dec 2012 before correct diagnosis was made. I was scheduled for surgery to repair it in Feb 2013. Initially my claim consultant seemed kind and understanding. Then I found that I was responsible to get my medical records, copy them and then either fax or mail them. I asked about sending via email and was told no I could not. It was very difficult for me to meet their demands for records because of pain, crutches, stairs to my apartment and having to find someone to drive me because of medications. But I did as they asked despite the difficulty and pain it caused. First surgeon did two scopes of my hip and was unable to help my pain because she miss-diagnosed my problem not noting I also had a pincer lesion in my hip that should have also been repaired. Tried to get in to see one of two specialists who had skills to repair my hip correctly and the wait was over 6 months. Instead had hip replaced. Hip never healed properly. I kept complaining of pain but my surgeon ignored this. I found out when copying my records to get another opinion that he had received a phone call from the surgeon I tried to see for scope #3 who said that I had threatened to sue him (which I did not and could prove it). This information was in a letter that the surgeon who replaced my hip sent to Lincoln Financial calling me a “liar” and “manipulative.” I wrote to Liincoln Financial and gave them information from 2 other specialists who were in the process of evaluating me for a possible infection in my RTHR of what happened, what meds I was taking (including pharmacy records), copies of journal articles stating what the standard of care was (and that doctor who wrote LF the letter was not complying) and records from 2 other physicians backing up my complaints that something was still wrong with my hip. My disability payments were stopped as soon as they received the letter from the physician who replaced my hip who seemed to have an unjustifiable a grudge against me. I have since had my hip revised and have proof that surgeon #1 placed cup wrong and made my leg one inch too long. I am recovering still. I met with the office manager of the first surgeon who replaced my and brought documents to prove that I never threatened to sue anyone and that there was a problem with my hip that had now been corrected. I asked that surgeon to write to Lincoln Financial to amend his first letter. He refuses. And Lincoln Financial is standing on that letter to deny my claim. They have completely disregarded the survey they had me fill out stating what I was able to do and not do, ignored my pharmacy records, ignored all other info I supplied to refute my first surgeons letter. I was told by their physician that I was capable of working (he listed how many hours sitting, standing, and walking) and they gave me examples of nursing jobs that I should be able to do. At that time I was (and still am) taking narcotics (can’t take narcotics and work in the health field) and I had told them at that time I spent 90% of my time in bed, on ice. I could sit for up to 15 min and walk a few feet. I am totally disgusted. Lincoln Financial wasn’t looking for the truth in determining my disability, they were looking for anyone, even if they were wrong, to tell them I wasn’t disabled and now are standing firm on that one piece of information despite volumes that I have supplied that dispute it. And one last thing, when LF wanted information related to my status of my Social Security disability they asked me to email it! I was incensed. Info that I was required to send to get disability payments had to be copied and faxed or mailed, but when it was something THEY wanted it was ok to email it.