Lincoln Financial Disability Claims
Skilled Attorneys Serving Clients Across the Country
A Lincoln Financial disability claim can be unique. Unlike other companies, Lincoln Financial disability claims have their own guidelines based on their policy. Our disability insurance lawyers have handled numerous cases involving Lincoln Financial. We know what to look for in the policy to help prepare the claim.
When your claim is denied or terminated, you have the right to an appeal. This appeal is with the disability insurance company. If your first appeal is denied, most companies offer a second, voluntary appeal. Not Lincoln. Lincoln Financial’s disability insurance policy often requires two appeals to the disability insurance company. This makes them a little more difficult to deal with.
Lincoln Builds a Case Against You
A lot can happen with your file during the appeal review of a denial or termination of disability benefits. Lincoln Financial may send your file to be reviewed by one of their paid doctor consultants. This doctor will look at your medical records and give an opinion on your disability without ever examining you in person.
This type of paper based review is commonly done by disability insurance companies. Since Lincoln requires you appeal twice, it gives them more of a chance to build a case against you. Lincoln will likely have more doctors review your claim and decide you are not disabled.
Lincoln Makes You Wait Longer for a Final Decision
In addition to building a case against you, Lincoln Financial can drag out your final disability benefit decision longer than other insurance companies. This is due to the required second appeal.
Instead of waiting up to 90 days for a final decision, a person has to submit a second appeal and wait another 90 days for a decision. That means a person appealing the denial or termination of disability benefits from Lincoln will have to wait upwards of 180 days before he or she can file a lawsuit.
You cannot file a lawsuit in court for your disability benefits until you have filed both appeals. Once you do file a lawsuit, Lincoln will have more of its doctor consultants saying you are not disabled because it got a second shot at reviewing your disability claim.
Lincoln Financial Disability Lawyers
If you or someone you know has filed a Lincoln Financial disability claim it is important to know your rights. If you have received a denial or termination letter from Lincoln, you should contact a seasoned disability insurance lawyer. Our firm focuses on representing people like you in their ERISA long term disability cases. We have handled numerous cases involving Lincoln Financial disability claims. We know how to deal with their policies.
Our long-term disability insurance lawyers are familiar with the timelines required by the law, and will push insurance companies to comply. We handle cases across the nation. Contact our office today and see how we can help you.
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