Lincoln Financial

This process has been so difficult that I couldn’t focus on getting better

Reviewed by Shannae on March 25th 2015   Verified Policyholder
I sent all of the documents while I was sick in the hospital. After not hearing anything from Lincoln Group my HR Rep at my job called and was told it was being processed. A few more days passed and no word. I called as was told by a customer service rep they did not have me on file. She then took my info and said they would need the documents sent from my employer again. I told her my employer already sent them and was told it was being processed. After a few calls back and forth between my employer and Lincoln Group, I found out Lincoln Group had my file under the wrong SSN and myself and my employer had been communicating with someone with the same name but in two different departments. Once that was figured out then I was told Lincoln needed my contact info which made no sense because it was provided by my employer and on the paperwork. I provided it anyway and was told I would have a decision in a day or two. That did not happen so I talked to the person who was handling my claim directly thinking she would have an answer. Instead she proceeded to ask me questions about my illness, meds and treatments. I did not understand why I wasn’t contacted earlier to gather the information. She then said it would take another day or two for a decision. This process did not take 3-5 days as stated. It took about three weeks and I have been out of work for a month. After getting frustrated, I called to speak with a supervisor. She then reached out to the person handling my claim and I was told they were approving me for about six weeks. I never received a phone call, a letter or an email regarding the approval. I was then told I would receive payment into my account within a day or two which sounds all too familiar. I’ve been told a day or two which seems to turn into weeks. The website says payment should be received the next business day after approval but of course the money is not in my account. Meanwhile I have shut off notices and need food in my house. This process has been so difficult that I couldn’t focus on getting better. I spent more time on the phone trying to get everything straightened out. First employees should be careful about putting in the correct info. Having me under the wrong SSN caused issues and there needs to be better communication within departments. One department said they had all of my documents while customer service would continuously tell me information was missing. Now what? I’m still waiting for some type of written confirmation that I’ve been approved and to receive payment.
Reply
Sent on March 25th 2015 by Attorney Rachel Alters

Under ERISA, Lincoln should be communicating all aspects of your claim with you via letter and at the very least by phone. I would strongly recommend you demand an update and status as to your concerns in writing. They will be forced to respond in writing. Please feel free to contact our office to discuss your situation in greater detail.