Facing A Lincoln Financial Disability Claim Denial?
Dealing With A Denial From Lincoln Financial For Your Disability Claim? You Are NOT Alone. A Lincoln Financial Disability Claim Denial Can Be Heartbreaking And Challenging, But You Can Trust J. Price McNamara ERISA Insurance Claim Attorney To Fight For You.
Long-term disability insurance providers, such as Lincoln Financial, are known for using every tool available to them to minimize their payouts to victims and maximize their profits. If you have filed a disability claim with Lincoln Financial Group, you have likely already discovered this tactic for yourself.
If you have received a Lincoln Financial disability claim denial and are worried about how you will cover medical bills and continue to pay for everyday expenses while being out of work, an experienced ERISA attorney can help.
A Lincoln Financial claim denial is not the end of the road! You have options — Attorney J. Price McNamara is here to help you fight for the benefits you deserve.
For a free legal consultation, call (225) 201-8311
Lincoln Financial Group Disability Insurance
Lincoln Financial Group is a financial and insurance company that has been in business for over 110 years. They currently focus their business on life insurance, annuities, retirement plan services, and group protection. Today, they operate solely in the United States and employ around 9,000 people.
Despite being a very popular long-term disability insurance company, Lincoln Financial has an unfortunate history of denying disability claims without proper reason. This practice, regrettably, is extremely common throughout the entire long-term disability insurance industry.
How Lincoln Financial Group Works To Deny Disability Claims
Lincoln Financial works hard to deny every claim they possibly can.
All insurance companies do — it’s how they make their money. These companies will commonly demand absurd amounts of paperwork and other documentation to make the process so frustrating that the claimant will simply give up.
Lincoln Financial Group has teams of people they employ for the sole purpose of reviewing claims and picking them apart piece by piece in order to find any reason, no matter how small, that can be used as a reason for denial. Even something as simple as a typo or your healthcare provider missing a single page of a document they submit can cause Lincoln Financial to deny your claim immediately.
Common Tactics Used By Lincoln Financial Group
Like many other companies throughout the industry, Lincoln Financial has been known to employ some potentially shady tactics with their claim denials. They have countless medical professionals at their disposal that they can count on to provide a “professional medical opinion” as to why a claim should be denied, even if this person has never seen or even spoken with the claimant.
Another tactic Lincoln Financial Group has been known to use in the past is to issue a disability insurance denial first, then they make it incredibly difficult for the claimant to get an answer as to the reason for the denial. Again, this is done in an attempt to frustrate the insured individual to the point that they just give up instead of fully pursuing the benefits they rightly deserve.
Lawsuits Lincoln Financial Group Has Faced Regarding Disability Claim Denials
Lincoln Financial is no stranger to lawsuits when it comes to disability claim denials. Here are some of the reasons people have filed lawsuits against Lincoln Financial:
- Misrepresentation of policy terms
- Denying a claim without a full and fair review (as required under ERISA)
- Denying a claim for long-term disability based on an incorrect interpretation of a doctor’s orders
- Initially approving benefits and then later terminating them without a justifiable cause
- Terminating a claim due to a change in policy details after they were disabled
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What To Do If You Receive A Lincoln Financial Disability Claim Denial
If you receive a Lincoln Financial disability claim denial, your first instinct might likely be to lose hope that you will ever get the benefits you rightly deserve. Do not do this! A claim denial is NOT the end of the road. Under ERISA, you have the right to file an appeal, and a disability insurance denial lawyer will be able to help with this.
The very first thing you should do after a Lincoln Financial disability claim denial is to request your insurance company file immediately. This can sometimes be extremely challenging, so starting this right away is crucial.
It’s also important to keep getting medical treatment! Do not stop working towards getting better just because your claim was denied. Your health is the most important thing, and the documentation from your medical treatments will be incredibly helpful when it comes time to submit your appeal.
Documentation Is EVERYTHING
If your claim has been denied, you need to start collecting every single piece of documentation you think might be helpful. As your attorney, we will help you sort through all of this, but the more you can provide off the bat, the quicker we will be able to help you appeal your claim (or even file a lawsuit should that become necessary).
Some of the documents that we recommend you start gathering include:
- Your insurance company file
- Information about the accident or illness that caused your disability
- Medical records from every single provider you have worked with
- Any and all correspondence you have had with Lincoln Financial Group
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How Can An ERISA Lawyer Help With My Lincoln Financial Disability Claim Denial?
Lincoln Financial Group’s appeal process is challenging — to say the least. Fighting your way through this process is not something you should have to undergo alone. An ERISA lawyer can help.
Lincoln Financial will undoubtedly attempt to make the claims submission and appeals process as complex as possible to avoid paying out benefits. They are assuming that an individual will overlook one of the countless steps included in these processes. Even when a person does take the right steps and submits the included administrative and medical forms, Lincoln Financial will usually still find a way to deny them the benefits they deserve.
Fighting back against Lincoln Financial Group can be difficult without the proper legal knowledge, especially because the claims process is intentionally difficult to follow. But with help from an ERISA attorney, workers can obtain the benefits they deserve.
Steps We Will Take To Appeal Your Lincoln Financial Disability Claim Denial
- Review your initial claim and look for any mistakes or missing information
- Review Lincoln Financial’s denial reasoning and their supporting documents
- Make sure Lincoln Financial followed all rules and regulations when making their decision
- Make sure the information Lincoln Financial Group reviewed was interpreted correctly and applied to your particular situation
- Help obtain additional medical records to fill in any gaps or bolster your claim
- Compile all necessary documentation and file your appeal before the deadline
Finding The Best ERISA Lawyer For You
When it comes time to fight back against Lincoln Financial Group or any other insurance company, having the right legal assistance can make or break your case. J. Price McNamara is a former insurance company attorney who knows all of the tactics Lincoln Financial might employ to try to keep from paying you your benefits.
Now working on the other side, all of this legal knowledge is put to use to help YOU. With a limited caseload philosophy and proven success against many top insurance companies, you can rest assured knowing your Lincoln Financial disability claim denial case is in good hands.
Frequently Asked Questions
Why would a Lincoln Financial disability claim be denied?
Lincoln Financial will deny a disability claim any time they can find a reason to, no matter how small that reason may be. Some of the common reasons Lincoln Financial denies disability claims include:
- Insufficient medical evidence
- Incomplete claim forms
- Failure to seek adequate medical assistance
- Surveillance that disputes the claim of disability
- Disagreement by Lincoln Financial’s medical consultant or doctor
How do you survive while waiting for Lincoln Financial disability approval?
Making ends meet while waiting for your Lincoln Financial long-term disability insurance benefits to be approved is a stressful prospect for many. If you are physically able to, finding part-time employment might be a good solution. You can also try applying to certain assistance programs such as Supplemental Nutritional Assistance Program (SNAP) or Temporary Assistance for Needy Families (TANF).
Are all Lincoln Financial disability claims denied?
While it may sometimes feel that a disability claim denial is an inevitability, Lincoln Financial does in fact approve some claims without the need for an appeal. The unfortunate reality, however, is that this is not very common. It may offer you some sense of assurance to know that you are not alone — many disability claims are denied, and with the right legal assistance, an appeal or a lawsuit is often a great way to make sure you get the benefits you deserve.
Top-Rated Lincoln Financial Disability Claim Denial Lawyer
Mr. McNamara holds the highest possible peer review rating of AV Preeminent for professional excellence and ethical standards.
We are here to help YOU, and we will answer any questions you have for FREE. We welcome telephone calls or the opportunity to visit you in person (or remotely via video call) to answer any questions you may have about your case without charge and without any obligation on your part whatsoever to hire us as your attorney.
If you ultimately decide to hire us to represent you in your Lincoln Financial disability claim denial case, we will handle it on a contingent fee basis. Our fee is earned, and our advanced litigation costs are recovered only when we recover for you by settlement or trial judgment. Our clients owe us nothing, no fee, and no reimbursement of our advanced litigation costs, no matter how large, unless we recover.
J. Price McNamara is determined to get you the disability benefits you and your family deserve — Reach out today for a Free Denial Review.
Call or text (225) 201-8311 or complete a Free Case Evaluation form
