Lincoln Financial

Lincoln Financial is trying to pay for only a fraction of the time I'm supposed to be out of work, and requests more records in order to extend the coverage.

Reviewed by Brian on June 5th 2016   Verified Policyholder
If my doctors note states I should be out 4-6 weeks, why does Lincoln Financial only want to give me 2 weeks? When you first call it’s all about taking care of you. I was actually asked, “Are you planning on going back to work, ever?” I said, “I was planning on following what my doctor requests.” Then I had to fax more documents and requests to my case manager. He said, that the nurse practitioner had reviewed my case and would only pay my claim, through May the 29th. She’s not a doctor nor has she ever seen me. I have to go back to my dentist today to repair dentures that are making me gag, so I can’t talk. Plus I can’t wear them for over 4 hours without pain. I am in sales, I talk for a living. What am I supposed to do, I am living off credit cards???? Talked to 401k folks and I can’t claim hardship until I get an eviction notice? Being sick and in pain sucks…then add the stress of how you’re going to pay your bills is a nightmare.
Reply
Sent on June 5th 2016 by Attorney Stephen Jessup

Brian, has Lincoln issued a formal denial or are they only stating they need additional medical information to support disability beyond May 29? I would not trust them to obtain your medical/dental records, and suggest that you provide them with all of the documentation to ensure it is received for review.