My claim with Lincoln Financial has been denied twice, and I'm at a loss as to what to do now.

We believe that when we buy additional insurance for LTD, we expect to be treated fairly regardless of our current physicial and mental situation. We think we are protected by buying additional insurance; it’s false: they will take our money and when we need help they will deny everything just to pay us back. We don’t get sick on purpose, it will happen. Lincoln Financial put in so much of stress, pain, that I am going through major depression. They have no remorse when an ill person needs help. It makes me think how much of a croak they are. When it’s time to give, they will take, when it’s time to give, we are the victim. This is not right. I have been going under so much financial stress ’cause of Lincoln Financial. Its my body and I know the pain and aches I go through. I am not fit to go back to my job, and they are forcing me to go back. They have denied my claim twice and I don’t know what to do next.