• Lincoln Financial Group Disability Insurance  Claim Trends

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. We have helped hundreds of Lincoln Financial disability claimants. Contact us to discuss your Lincoln disability claim.

Comments (11)

  • My leave of absence paper was submitted by doctor but Sedgwick said they wasn’t.

    Eddie S. Mar 19, 2020  #11

  • J. Abraham, it sounds like you need representation. I would be happy to give you a free consultation. I will email you. Rachel Alters.

    Rachel Alters May 23, 2019  #10

  • Hello. I am currently on STD with Lincoln. My employer has fired them, however unfortunately for me I am one of the last employees on this policy. They expect me to do their job and get all my records, even though I have given numerous authorizations as well as access to my medical portal. They also take several days to answer any questions. Now they are saying they do not have enough records and may not approve my LTD. This stress is exasperating my condition and I am very concerned. I have responsibilities… a mortgage, doctor bills, car payments and 3 young children! What can I do?

    J. Abraham May 23, 2019  #9

  • Vona, some policies allow for a minimum monthly benefit when your offsets are greater than your monthly benefit. Usually they are $100 a month. Did they say why you didn’t qualify for it?

    Rachel Alters May 8, 2019  #8

  • I was granted SSDi 1200 a month plus 600 for dependant. I received $980 for 24 months from lincoln. My total was $ 25,000 and lincoln wants overpayment of $17000. They say I don’t qualify for minimum monthly benefit. What is this?

    Vona May 8, 2019  #7

  • Dianna: You should contact Lincoln Financial and notify them that you would like to file a claim. They will send you a claim packet, which will begin the claims process.

    Jay Symonds Dec 15, 2018  #6

  • I’ve been out of work since Oct 28, I tested positive for marijuana use but I got little amount in me that if I apply for a job right now in our company they will hire me with me pee test. The EAP company morneu shepell finally gave me a phone number to call for counseling almost a month from the 28th. I talked to the counselor 11th of Dec and she doesn’t think I have a substance abuse problem at all. What kind of documents I should present to the Disability claim of Licoln financial so I can get paid for the days my company put me out of work?

    Dianna Dec 14, 2018  #5

  • Jenn, yes, Lincoln offers buyout. Please contact our office and ask to speak with a disability insurance attorney regarding the potential of obtaining a buyout of your Lincoln claim.

    Cesar Gavidia Aug 25, 2018  #4

  • Does Lincoln Financial now that it bought Liberty Mutuals Disability business, offer lump sum settlements? I have read some carriers do not offer lump sum settlements and was curious to know if Lincoln does.
    Thank you.

    Jenn Aug 24, 2018  #3

  • Krissy, you would still be legally responsible to repay any overpayment for any overlaping period of time between SSDI and LTD. Whether or not Lincoln would be aware of receipt of SSDI is another question.

    Stephen Jessup Oct 17, 2016  #2

  • I’m on LTD though Lincoln what happens if I go back to work for say a month or so, then go back to work. I would drop Lincoln’s LTD with my return to work form. THEN get SSDI a few months later (they do allow you to try) SSDI would see a failed attempt because I’m in too much pain, but would Lincoln still get my SSDI payments? if I dropped them when I turned in my return to work form?
    Thank you!

    Krissy Oct 11, 2016  #1

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Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Dawn P.

I had to quit working after 8 years of dealing with chronic pain from 2 bulging and torn discs from an injury and failey back surgery. I was approved for Long term disability through my employer benefits, with Unum. They covered me with payments for one year, and suddenly sent a letter that their doctors disagreed with my surgeon and pain management doctors, and they felt I could go back to work full time. I hired a local attorney, trying to save some money, but I don’t think he had much experience dealing with big LTD companies such as Unum. He filed terrible appeals on my behalf with little to no effort on his part of building a good case for me. After a year of dealing with his condescending attitude and loosing my final appeal, I decided to call up Dell & Schaefer. I had contacted them a year prior when searching for an attorney. Cesar was willing to take my case and felt I had a good one. But I didn’t want to pay the percentage he was asking for if we won back then. The old saying, “you get what you pay for”, proved to be true in this case and I regretted not hiring him from the beginning!

Once I did hire him, and thank goodness he was still willing to take my case even though he was dealing with defending poor appeals by my previous lawyer, things got moving along for me. Because of his years of experience dealing with Unum, and his record of wins against them, within 6 months we had a settlement I could live with! The stress I suffered before Cesar and weight on my shoulders was gone! Cesar is a kind, caring, attorney who will fight for your rights! His assistant Michal always talked to me when I called in with questions or to check up on my case and never made me feel bad for calling. It was nothing like the previous relationship I had with my other attorney and his staff, who avoided me. Cesar explains the process well and keeps you updated on your options throughout the process. He was worth every penny!

I am grateful for their representation and would recommend anyone with an ERISA case to call him!

***** 5 stars based on 202 reviews

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