Lincoln Financial

My husband's STD claim is close to switching over to LTD. We want to know more about the process, but Lincoln Financial won't provide any information.

Reviewed by Jeannie on February 26th 2016   Verified Policyholder
My husband had a stroke in Jan 2016 and suffered paralysis and weakness on the left side and lost half of his field of vision in each eye. This means he will never be able to drive again or work in the occupation he had. He is learning to walk and use his left side some but only time will tell how much he can recover. The vision however is permanent as damage to the optic nerve occurred. He is now home after spending 2 weeks in the hospital and 3.5 weeks in a rehab hospital. He currently is having therapy through home health. He is currently on STD through his employer through Lincoln Financial. They pay to the employer and he is currently being paid on regular payroll checks. I have tried unsuccessfully to obtain plan booklets/information about these benefits. The STD pays out for the first 6 mos after that it switches to LTD and we are concerned about this process as it is unknown. Lincoln will not provide the information and the employer states they do not have it, to get it from Lincoln. We need to know whether to go ahead and file for Social Security Disability since we have a child under 16, he could receive his benefit plus family benefits and how this would affect the LTD payment. Every time I call Lincoln, I get the case managers voice mail and cannot get in contact with him.
Reply
Sent on February 26th 2016 by Attorney Stephen Jessup

Jeannie, it is the responsibility of the employer to provide a complete copy of the policy, so a written request for same is best. With respect to SSDI and DSSDI sources- it is almost certain that the Liberty policy will offset the monthly benefit based on receipt of those sources. Furthermore, the policy will contain language requiring your husband to apply for both. There stands a likely chance that Lincoln Financial will conduct a review of the LTD claim as the STD is coming to a close without requiring new application forms to be completed. Please feel free to contact our office should you have any additional questions.