It’s next to impossible to get $ out of them without a lawyer. They use plenty of intimidation and unfair tactics. They don’t want to pay. And yet, their CEO made 13 m... read more >

Lincoln Financial

Every month I get paid on a different date

Reviewed by Ben Dover on January 29th 2025 Verified Policyholder | January 2022 date of disability

I will start by saying that my experience is not as horrible as others, like the folks who have valid claims but get nothing from Lincoln. I feel for you and hope to god y... read more >

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023 Verified Policyholder | November 2023 date of disability

I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >

Lincoln Financial

Well Documented correspondence

Reviewed by Joshua on November 23rd 2023 Verified Policyholder | May 2023 date of disability

I read other situations and it’s all very similar to my case. I have received STD from May 2023 and when my FMLA run out LF would not respond or answer my calls. My last... read more >

Lincoln Financial

Lincoln Financial made my life a living hell

Reviewed by Salyna D on June 1st 2022 Verified Policyholder

Lincoln Financial made my life a living hell. I went on medical leave from my job just to work for them basically. My mental health is worse than it was and I still do not... read more >

Reply

Sent on June 2nd 2022 by Attorney Stephen Jessup

Salyna, I am sorry to hear about your experience. I wish I could say it is an anomaly, but it is an all too common occurrence. Depending on if the claim was ever approv... read more >

Lincoln Financial

Lincoln Financials wants to claw back my money

Reviewed by Paul F. on June 30th 2021 Verified Policyholder

Lincoln financial wants to claw back money from ssi and we had two employers so I got disability from both employers one used Lincoln one used Cal EDD for short term so we... read more >

Reply

Sent on June 30th 2021 by Attorney Stephen Jessup

Paul, unfortunately, under employer provided policies there are provisions related to offsets for sources of Other Income. Both the California disability and Social Sec... read more >

Lincoln Financial

This is the second time I've been shorted in my check

Reviewed by Wendy J. on June 16th 2021 Verified Policyholder

I have been out of work since 3/25/21. I had to jump thru hoops to get an extension from 4/28/21 to 6/13/21. I have had MRI, x rays which showed anuerysmal tumor on my fib... read more >

Lincoln Financial

Lincoln Financial denied my STD claim because one doctor didn't send them my medical information.

Reviewed by Eric J. on April 6th 2021 Verified Policyholder

In late January 2021 I was referred to a Doctor I meet her for 15 minutes she ordered some X-rays and blood work. In mid Feb I called to change my next appointment due to ... read more >

Reply

Sent on April 6th 2021 by Attorney Stephen Jessup

Eric, it sounds like there is more to the story than what Lincoln is telling you. Have you received the formal denial letter? If so, we can review the letter with you t... read more >

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Answered Questions by Our Lawyers

(53)

Showing 8 of 53 Answered Questions

Q: Can I be denied from short term disability insurance for postpartum? Or can I fight this?

Answered on March 10th 2025 by Attorney Jay Symonds

A: You can always file an appeal of a denied STD claim. The denial letter will explain your options, how to appea... Read More >

Q: If a dependent turns 18 in December, does Lincoln subtract their dependent amount from LTD payments even though child is now an adult and receives benefits directly until graduation?

Answered on December 30th 2024 by Attorney Stephen Jessup

A: The dependent offset is lifted only when the SSA provides written notice it is ending. Typically that is at hi... Read More >

Q: LTD return to work? What if I require training or want to continue education, will I continue to receive payment during this period?

Answered on August 1st 2024 by Attorney Rachel Alters

A: If you are still unable to perform the material duties of your occupation or any occupation then yes you shoul... Read More >

Q: What if I never received longterm policy and I never agreed or signed agreement fee with disability insurance company?

Answered on August 19th 2024 by Attorney Gregory Dell

A: Erica:The repayment of government benefits such as ssdi or state disability benefits is allowed if your po... Read More >

Q: Should I accept the buyout from Lincoln Financial? I have 7 days to decide.

Answered on January 16th 2024 by Attorney Alex Palamara

A: Kendra, it was a pleasure speaking with you today. Thank you for reaching out for the free consultation. We ar... Read More >

Q: Change in Occupation

Answered on November 22nd 2023 by Attorney Rachel Alters

A: The date is usually the date in which your LTD payments began. Read More >

Q: If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time?

Answered on October 29th 2022 by Attorney Stephen Jessup

A: Kara, it would depend on the language in the policy. There is even a chance you could transition into long ter... Read More >

Q: Does Lincoln Financial apply offsets to all claimants equitably?

Answered on September 20th 2022 by Attorney Cesar Gavidia

A: Jerry, yes, Lincoln Financial may seek to recover an overpayment of benefits pursuant to the contractual langu... Read More >

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Helpful Videos

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Disability Benefit Tips

(331)

Showing 8 of 331 Benefit Tips

Has Lincoln Contacted You About Your Liberty Disability Claim?

Earlier this year Lincoln Financial and Liberty Mutual Insurance Group entered into an agreement in which Lincoln purchased Liberty Life Assurance Company of Boston, the group disability and life insurance group benefits portion of Liberty Mutual Insurance Group. For insured with disability or life insurance benefits provided by their employer, Liberty Life Assurance Company of Boston is most commonly known as... Read More >

Is Lincoln Relying on MDGuidelines to Review Disability Appeals?

I have recently reviewed first level appeal denial letters from Lincoln in which Lincoln appears to be relying on information through the website/software MDGuidelines as opposed to an internal medical review or a medical review performed by an outside peer reviewing physician. In both instances the initial denial of benefits was predicated upon the review of a doctor identified in the denial letter, to includ... Read More >

Lincoln Financial to Buy Liberty Life - Does This Affect My Disability Claim?

On January 19, 2018, Lincoln Financial Group announced that they are buying Liberty Life / Liberty Mutual’s Group Benefits business for $3.3 billion. Lincoln claims that the combined company would be the number one seller of Disability sales with a 14 percent market share.As disability insurance attorneys that have handled hundreds of claims with both Liberty and Lincoln we think that this merger is a go... Read More >

What Can A Claimant Expect With A Lincoln Financial Group Disability Claim?

Lincoln Financial group is one of the larger disability insurance companies. In this video disability insurance attorneys Gregory Dell and Stephen Jessup provide a lawyer's perspective on handling a Lincoln Financial disability insurance claim.We discuss common trends that we see when helping claimants to recover disability benefits from Lincoln Financial. W... Read More >

Do You Know The Job Requirements To Be A Lincoln Financial Disability Claim Specialist?

As a disability lawyer that has handled thousands of disability insurance claims I often wonder about the qualifications and experience of the disability company employee that is making the decision to approve or deny my client's claim. During our routine activities of watching The Lincoln Financial Group, I came across an internet job posting for an "Associate LTD Benefit Specialist" at Lincoln Financial in A... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

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Dell Disability Cases

(375)

Showing 8 of 375 Dell Disability Cases

Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed

Our client, a registered nurse for Dignity Health, found herself in a difficult situation after being diagnosed with lumbar spondylosis and left knee arthritis. She continued to work, however, struggled while attempting to work through chronic lower back pain and left lower extremity radicular symptoms on a daily basis. Sadly, her condition failed to improve and... Read More >

Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision

The claimant is an 64 year old former Corporate Attorney and at a prominent Florida business law firm who was forced to cease working in his highly successful and rewarding profession, job, and career on January 27, 2021, and to seek disability compensation under his policies with Lincoln due to severe symptomatology stemming from or following a viral COVID-19 i... Read More >

Lincoln Denies Disability Insurance Benefits to 66 Years old Software Developer with Long Covid and MS

Our client came to us after he was denied continued Long Term Disability (LTD) benefits by The Lincoln National Life Insurance Company. Previously employed as a Software Developer for Novo Nordisk, the multinational pharmaceutical company, after years of service our client found he could no longer work following a severe case of Covid 19 which left him hospitalized for 30 days.... Read More >

Lincoln LTD Denial Reversed for an Occupational Therapist that was Denied Benefits After 24 Months

Our now client came to us after she received a denial letter following her receipt of long term disability benefits (“LTD”) for a period of 24 months. This is very common as with any denied claim, at the 2-year mark is when many ongoing claims are denied. Why? Typically group long term disability insurance policies have special provisions that kick after 24 months of be... Read More >

FPL Lineman Wins Lincoln Disability Denial Appeal

Lincoln Life Assurance Company of Boston improperly denied our client’s long-term disability benefits. Prior to filing for disability, our client was employed as a Line Specialist-Early for FPL (Nextera Energy, Inc.). According to the Position Summary, the material and substantial duties of his occupation include but are not limited to:Position Summary:... Read More >

Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation

A former Manager of Quality Assurance at Walmart is again receiving Long Term Disability (LTD) benefits following an appeal filed by Dell Disability Lawyers. Our now client was only recently hired by Walmart in May of 2017. He loved his job and began to shine at his occupation until he unfortunately suffered a serious shoulder injury in late 2017. After this initial shoulder injury, additional injuries ... Read More >

Lincoln Approves Long Term Disability Benefits After Four Year Fight

With financial protections afforded to disability insurance companies under ERISA that insulate them from extra contractual damages there is very little financial disincentive to deny long term disability benefits to an insured. This is especially true of disability applicants who are high wage earners whose resulting monthly disability benefits are extremely high. In our experience, insurance companies will g... Read More >

Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal

On December 8th of 2020, a new employee at ServerCentral, now known as Deft, a well-known IT infrastructure provider, found himself in the Emergency Room due to facial numbness and confusion. This ER visit was unfortunately not something new for him as he had just been there two weeks prior in late November due to a headache and dizziness. With this visit ... Read More >

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Disability Lawsuit Stories

(765)

Showing 8 of 765 Lawsuit Stories

Does Policy Language of Actively at Work Include Saturday, Sunday and Holidays?

In Harlan Ten Pas v. The Lincoln National Life Insurance Company, (Lincoln) Plaintiff, a tax attorney with the firm of McGladrey LLP (McGladrey), suffered a heart attack on Sunday, August 31, 2014. He had worked a full day at the office on Friday, August 29, 2014.Plaintiff worked at home part of each day, Sunday August 30 and Saturday August 31, before going to his summer camp in Wisconsin f... Read More >

Court Holds Plaintiff's State Claims Preempted by ERISA and Dismissed Complaint

In Lowe v. Lincoln Nat'l Life Ins. Co., Plaintiff suffered a stroke in May 2016 while working for Diversicare Healthcare Services, Inc. Diversicare provided its employees with long-term disability (LTD) benefits under a policy issued by The Lincoln National Life Insurance Company (Lincoln).The stroke rendered Plaintiff unable to work. She was initially awarded benefits under the plan from November 6, 2016 ... Read More >

Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims

In a recent claim denial our disability law firm is handling for a physician suffering with cervical myeolopathy, Lincoln Financial stated, "A condition warranting surgery does not necessarily equal a condition qualifying an insured for Total Disability." In this claim Lincoln's own IME doctor was surprised that the claimant did not have neck surgery. Regardless of the fact that the IME doctor felt the claiman... Read More >

WARNING: Lincoln Financial Disability Denial Requires Two ERISA Appeals before Filing Suit

You MUST file TWO appeals with Lincoln prior to filing suit!Most long term disability insurance companies only require one mandatory appeal prior to initiating a lawsuit in federal court. Some insurers allow a voluntary appeal after the first appeal is denied, but do not require a second appeal prior to filing suit. However, Lincoln National Life Insurance Company requires TWO MANDATORY appeals before a su... Read More >

Lincoln National denies accidental death benefits after jet ski accident and Court agrees

Purchasing an insurance policy that pays benefits for an accidental death and dismemberment would seem like a wise decision since people suffer dismemberment and die from accidents every day. Collecting benefits on an accidental death and dismemberment policy should be simple right? Well, not so fast.In Keane v. The Lincoln National Life Insurance Company, a recent decision out of the Western District of M... Read More >

Kirk & Blum/CECO Environmental Employee Files Lawsuit Against Lincoln Financial Group For Wrongful Termination Of Long-Term Disability Benefits

An attorney has filed a Federal disability lawsuit in Ohio Federal Court against Lincoln Financial Group (Lincoln). The Plaintiff, George P., was employed by Kirk & Blum, a subsidiary of Ceco Environmental, as a metal fabricator. This employment enabled the Plaintiff to be covered by a group insurance policy provided on behalf of Ceco Environmental employees and insured by Lincoln.In George P. v. Linco... Read More >

Lincoln Financial Disability Denial: Determining a Date of Disability is Critical

Applying for disability insurance benefits is a complex process that requires a claimant to be familiar with all of the requirements in a disability policy. We often see that disability claims are denied benefits because a claimant does not select the correct date of disability.A date of disability is not always the last date you worked or the first time that you saw a doctor. Many claimants suffer for... Read More >

New Jersey BankUnited employee files suit against Lincoln National

Robert B. and his New Jersey disability lawyer go to battle against The Lincoln National Life Insurance Company to retrieve Robert B.'s entitled disability benefits as promised in his employee disability benefits plan.Robert B. worked for BankUnited as a wholesale account executive. His job included the solicitation of potential clients and the selling of financial products and services for investment purp... Read More >

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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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