Lincoln Financial Long-Term Disability Denial
Lincoln Financial is a long-term disability insurance provider that offers financial support to policyholders who can’t work due to injury or illness. However, this provider is known for wrongfully denying claims. If you’re facing a Lincoln Financial long-term disability denial, we may be able to help. Get started right now with a free case review.
Why Take Legal Action?
By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.
Results Secured
- $1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
- $1.21 million for a California worker denied disability benefits
- $975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum
Lincoln Financial Long-Term Disability Complaints
While long-term disability (LTD) insurance providers like Lincoln Financial have a duty to provide the benefits that policyholders and beneficiaries have paid for, they often deny valid claims in order to protect their profits.
However, you have the right to appeal your insurer’s decision — especially if your claim was wrongfully denied. An attorney can help you determine the reason behind your Lincoln Financial long-term disability denial and fight for the benefits you deserve.
LawFirm.com has partnered with top disability denial lawyers who have recovered over $133 million for clients with denied disability claims.
Remember, a long-term disability denial isn’t the last word — it’s your chance to review the initial decision and respond with an appeal or lawsuit. By working with a lawyer, you can challenge the decision and improve your chances of a successful outcome.
The Lincoln Financial claim denial attorneys in our network can make the process as easy and stress-free as possible. Take the first step toward accessing the benefits you deserve by getting a free case review now.
How to File a Lincoln Financial Disability Appeal
A disability lawyer can handle all aspects of your Lincoln Financial long-term disability appeal, allowing you to focus on your health and your family.
Find out more about the basic steps involved in appealing a Lincoln Financial long-term disability denial.
1. Get a Free Legal Consultation
Top disability appeal lawyers offer free case reviews to see if they may be able to help you seek the benefits and compensation you’re entitled to.
If you’re eligible, an experienced Lincoln Financial long-term disability appeal attorney in our network will start working on your case right away — and they won’t charge you any upfront costs or hourly fees.
2. Collect Evidence to Support Your Lincoln Financial Disability Claim
Your attorney and their team will gather documentation to prove your injury qualifies for LTD benefits.
This evidence may include your medical records, expert opinions from health care providers, and information about your job to show why you can’t work.
3. Appeal Your Lincoln Financial Claim Denial
Your Lincoln Financial long-term disability appeal lawyer will file your appeal and all supporting documentation with the insurer. They’ll keep you informed of any updates so you know where your claim stands.
If your Lincoln Financial long-term disability denial isn’t reversed, your attorney may be able to file a second appeal.
4. File a Lincoln Financial Long-Term Disability Lawsuit
In some cases, you may be able to file a lawsuit against the insurer and seek a Lincoln Financial long-term disability denial settlement.
If a settlement isn’t reached, your legal team will be prepared to take your case to court and fight for compensation from a disability denial verdict.
In May 2024, a sales representative with anxiety and depression won her Lincoln Financial long-term disability denial lawsuit. The court awarded her LTD benefits dating back to 2021 when her claim was first denied.
Lincoln Financial Claim Denial Tactics
Like many long-term disability insurance providers, Lincoln Financial has a history of wrongfully denying LTD claims to avoid paying out money to policyholders.
Common tactics Lincoln Financial uses to deny valid claims include:
- Delaying claims processing: Lincoln Financial may delay the processing of your claim to discourage you from pursuing benefits or make it difficult to understand why your claim was denied.
- Excessive documentation requests: The insurer may ask you to submit more documentation than required by the policy or request the same information multiple times.
- Interpretation of policy terms: The insurer may interpret your disability insurance policy in a way that justifies denying benefits for a qualifying medical condition. This includes arguing your disability isn’t severe enough or that you can still perform your job.
- Paperwork errors: Even a simple error when filling out the claim form or submitting the required paperwork for LTD benefits can result in a Lincoln Financial long-term disability denial.
- Pre-existing conditions: The insurance company may claim that your medical condition existed before you applied for Lincoln Financial Group’s long-term disability.
- Surveillance or social media evidence: In some cases, this insurer has been known to use video surveillance or monitor social media posts to determine that a policyholder doesn’t meet Lincoln Financial’s long-term disability qualifications.
Experienced denied disability lawyers know about the tactics Lincoln Financial may use to unjustly deny a claim — and how to fight back.
Call (888) 726-9160 right now or chat with a case manager to see if a top lawyer may be able to fight hard for everything you deserve.
Tips on Appealing a Lincoln Financial Disability Denial
If you’re facing a Lincoln Financial claim denial, you can file an appeal. Working with an experienced LTD denial lawyer is often the best way to ensure your appeal is filed properly and before any deadlines.
Here are 5 tips for appealing a Lincoln Financial long-term disability denial:
- Understand the reason for the denial: Lincoln Financial’s claim denial letter should state why your claim was denied. Your attorney can explain the jargon used by the company and tell you the information needed for an appeal.
- Collect medical documentation: Medical records, diagnostic tests, and chart notes can be key to a successful appeal. Resubmit any information you sent with your initial application, along with new information about your condition.
- Ask your doctor to submit a written medical opinion: Your treating physician can provide a detailed letter explaining your medical condition, its severity, and how it affects your ability to work.
- Get statements from family: Family, friends, and co-workers can provide written accounts of your disability and its impact on your work life.
- Keep all appointments: Failing to attend medical appointments or submit to additional evaluations could be grounds for a Lincoln Financial claim denial.
While the claim process may seem complex, experienced disability insurance lawyers are familiar with the system and can handle each step of a Lincoln Financial appeal for you.
Get Help From a Lincoln Financial Long-Term Disability Lawyer
If you’re facing a Lincoln Financial long-term disability denial, don’t wait to take action. A skilled lawyer can help you fight back and demand the benefits you’re owed.
LawFirm.com works with top disability insurance attorneys across the country who have experience successfully recovering LTD benefits for Lincoln Financial policyholders.
Together, they’ve helped policyholders recover over $133 million for unfair insurance denials, including Lincoln Financial’s long-term disability denials.
Call (888) 726-9160 right now or get a free case review to see if one of our trusted legal partners may be able to pursue the benefits you deserve.
Lincoln Financial Disability Appeals FAQs
How do I appeal a long-term disability denial from Lincoln Financial?
Contact a lawyer to get help appealing a Lincoln Financial long-term disability denial.
The attorneys in our network can handle every step of the appeals process, making it as easy and stress-free as possible. Working with an experienced disability lawyer can also improve your chances of a successful outcome.
Get a free case review now to see if a top lawyer may be able to fight for the benefits you’re owed.
How long does it take Lincoln Financial to approve long-term disability?
Lincoln Financial long-term disability benefits typically become available after a waiting period of 90 to 180 days.
If your long-term disability claim is approved, you’ll typically receive up to 60% of your monthly income. This payment can continue for a period ranging from 24 months up to your retirement age.
If you’re experiencing any delays in accessing your benefits, a disability denial attorney may be able to provide legal advice and fight for the benefits you’re owed.
Why would long-term disability be denied?
The reason for a Lincoln Financial disability claim denial may vary from case to case, depending on the health condition involved and the terms of the individual policy.
Common reasons for a Lincoln Financial long-term disability denial include:
- A pre-existing medical condition
- Don’t meet the definition of disability
- Insufficient medical evidence
- Insurer errors
- Missed deadlines
- Paperwork problems
Insurers like Lincoln Financial may go over a disability insurance claim for LTD benefits with a fine-tooth comb, looking for any reason to issue a denial. In some cases, a Lincoln Financial claim denial may be considered bad faith.
Call (888) 726-9160 right now to see if we may be able to help you appeal a Lincoln Financial long-term disability denial.
How does long-term disability work in Lincoln Financial?
Lincoln Financial long-term disability provides monthly financial support to policyholders and beneficiaries who become injured or sick and are unable to work for an extended period.
Claimants typically receive a percentage of their previous salary after a waiting period, continuing until they are able to return to work or reach retirement age.
If Lincoln Financial denies disability insurance benefits, a policyholder has the right to appeal due to a federal law known as the Employee Retirement Income Security Act (ERISA).
Why are most disability claims denied?
One of the most common reasons for a disability denial is insufficient medical evidence. This occurs when there’s not enough medical documentation showing the severity of a policyholder’s disability and its impact on their ability to work.
A disability lawyer can help by:
- Collecting evidence on a client’s behalf
- Consulting with medical experts
- Navigating disability laws
- Submitting paperwork for an appeal
A disability insurance company may vigorously defend a claim denial, so working with an experienced attorney is the best way to even the playing field.
Get a free case review now to see if we may be able to connect you with a top long-term disability attorney near you.

Fact-Checked and Legally Reviewed by: Rae Theodore
Rae Theodore is a writer and editor with more than 30 years of experience in legal publishing. She earned a bachelor’s degree in English from Pennsylvania State University.
- Cornell Law School. “38 CFR § 3.151 – Claims for disability benefits.” Retrieved January 15, 2025, from https://www.law.cornell.edu/cfr/text/38/3.151
- Lincoln Financial Group. “About us.” Retrieved January 15, 2025, from https://www.lincolnfinancial.com/public/aboutus/companyoverview
- Lincoln Financial Group. “Long-term disability.” Retrieved January 15, 2025, from https://www.lincolnfinancial.com/pbl-static/pdf/GP-IP—what-we-offer—callout3—flier-PDF.pdf
- Social Security Administration. “Americans with Disabilities Act.” Retrieved January 15, 2025, from https://www.dol.gov/general/topic/disability/ada
- Social Security Administration. “Benefit claims procedure regulation FAQs.” Retrieved January 15, 2025, from https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/benefit-claims-procedure-regulation
- Social Security Administration. “Disability benefits.” Retrieved January 15, 2025, from https://www.ssa.gov/benefits/disability/
- Social Security Administration. “Disabled worker beneficiary statistics by calendar year, quarter, and month.” Retrieved January 15, 2025, from https://www.ssa.gov/OACT/STATS/dibStat.html
- Social Security Administration. “Federal court review process.” Retrieved January 15, 2025, from https://www.ssa.gov/appeals/court_process.html
- Sokolove Law. “Lincoln Financial long-term disability denial.” Retrieved January 15, 2025, from https://www.sokolovelaw.com/disability-insurance-denial/long-term-disability-denial/insurance-providers/lincoln-financial/