Lincoln Financial Group is, by far, the worst company I’ve ever dealt with. 

Lincoln Financial Group is, by far, the worst company I’ve ever dealt with. Very poor customer service, never return calls, delay benefit checks, etc. I am a dentist who developed hand tremors about one and a half years ago. I had an “own occupation” long term disability policy that I paid for myself (through Northwestern Mutual Life), and the employer I worked for had a group “own occupation” long term disability policy through LFG. I have had absolutely no problems with NML, but nothing but problems with LFG. I received my first disability check on time through NML and LFG delayed my first checks 4 months. Since then, my checks from LFG are typically 1-2 weeks late. Most recently they sent me a check and before I received it in the mail they called me saying the amount was incorrect and I need to shred it when I receive it. I expect that the “corrected” check will arrive 1-2 weeks late, if not later. Finally, I believe LFG misrepresents their “own occupation” policy. My understanding is that an”own occupation” disability policy will pay benefits if you are unable to perform the material and substantial duties of your occupation. A couple of months ago I began teaching at a dental school. I am not performing the duties of a dentist – ie doing fillings, root canals, crowns, etc., but LFG is deducting my benefits from my earnings at the dental school. I highly recommend not doing business with LFG