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Lincoln Wrongfully Denies California VP with Chronic Kidney Disease LTD Benefits

With help from Dabdoub Law Firm, a San Bernardino woman eventually received the long-term disability benefits and a waiver of life insurance premiums she needed. Although these benefits were initially provided by The Lincoln National Life Insurance Company (Lincoln), the company revoked them two years later, so Ms. X turned to us for help.

Ms. X worked as a vice president of a software company until August 12, 2021. She was diagnosed with Stage 3 chronic kidney disease (CKD), and suffers from systemic lupus erythematosus (SLE), migraines, scleroderma, cognitive impairment, autoimmune disuse, and a variety of other disabling conditions.

As a result of her disabled condition, Ms. X stopped working and filed claims for long-term disability (LTD) benefits and a waiver of premiums with continued life coverage. At the time, Lincoln reviewed Ms. X’s medical records that supported the finding that she is totally disabled and approved her claims for LTD benefits and the life insurance premium waiver. Despite this initial determination and the evidence provided by medical experts, Lincoln reversed its decisions and revoked Ms. X’s benefits in August 2023.

‘Less-Than-Sedentary Capacity’

In February 2022, Ms. X submitted to an independent Functional Capacity Evaluation (FCE) that revealed her physical ability to work was at a “less-than-sedentary capacity.” Because the demands of Ms. X’s profession required her to work at a sedentary level, her condition’s lack of improvement indicated that she is totally disabled and unable to work even in a sedentary job.

Two months after Lincoln denied Ms. X’s claims, she underwent an independent Cognitive Functional Assessment (CFA) performed by clinical psychologist Bahareh Talei, Psy.D. Dr. Talei’s assessment of Ms. X’s condition concluded that she has “… severe cognitive deficits attributed to her conditions. The patient’s evaluation revealed impairments across several cognitive domains including memory, processing speed, attention, concentration, and executive functions.” Dr. Talei also noted that Ms. X’s documented cognitive would “severely interfere” with her ability to perform her previous role or any similar occupation, and that she “does not possess the required cognitive capacity for work at this time.”

Ms. X Contacts Dabdoub Law Firm for Help

After Lincoln denied Ms. X’s claims, she sought help from us at Dabdoub Law Firm. As experienced disability lawyers, we had the knowledge and skill necessary to review Ms. X’s situation and help her seek a better outcome.

It was apparent to us, based on the medical evidence provided by experts, that Ms. X’s disability never improved or ceased to exist. We sent a letter to Lincoln outlining the situation with evidence supporting our argument that Ms. X’s benefits were wrongfully denied. We strongly encouraged Lincoln to conduct a good-faith review of Ms. X’s case, consider the fiduciary duties it owed to her, and reverse its prior decisions.

Our efforts were ultimately successful, and Ms. X now enjoys the benefits that were wrongfully revoked.

Disability Insurance Companies Have Lawyers. Shouldn’t You?

Because this law firm was created to focus on disability insurance, we have developed an expertise in this complex area of the law.

Our expertise in long-term disability claims means our clients have the backing of a law firm that has attorneys who:

All our lawyers commit every day of their legal career to helping people get disability benefits from UNUM, MetLife, Prudential, Northwestern Mutual, Hartford, CIGNA, and others. Because federal law applies to most disability insurance claims, we do not have to be located in your state to help. We help clients nationwide.

Call to get experienced disability lawyers on your side with:

  • Submitting a disability insurance claim;
  • Appealing a long-term disability denial;
  • Negotiating a lump-sum settlement; and/or
  • Filing a lawsuit against your disability insurance company.

Call (800) 969-0488 to request a free consultation with our trusted Dabdoub disability insurance attorneys.