Lincoln Financial Long-Term Disability Denial

Lincoln Financial is one of the largest long-term disability insurance providers in the United States, offering financial support to policyholders who can’t work due to injury or illness. However, this provider is known for wrongfully denying claims to protect their bottom line. If you’re facing a Lincoln Financial long-term disability denial, you may be able to file an appeal or lawsuit for compensation.

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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

Fact-Checked and Legally Reviewed by: LawFirm.com

Last updated: Sep 05, 2024

Understanding Your Lincoln Financial Long-Term Disability Denial

Receiving a denial for your long-term disability claim can feel final, but you have the right to appeal your insurer’s decision — especially if your claim was wrongfully denied.

The first step to filing an appeal is pinpointing the reason for your Lincoln Financial disability denial. An attorney can help you determine why your claim wasn’t accepted.

Common reasons for long-term disability denials include:

Filing the claim incorrectly or missing the deadline
Having a disability that doesn’t meet the policy’s required duration
Failing to have the disability confirmed by a doctor
Medical condition being excluded from coverage or classified as pre-existing
Inconsistent or undocumented medical treatment

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. By working with a lawyer, you can challenge the decision and improve your chances of a successful outcome.

The Lincoln Financial disability denial attorneys in our network can make the process as easy and stress-free as possible. Contact us now for help getting the benefits you deserve.

Appealing a Lincoln Financial Disability Denial

If Lincoln Financial denies your long-term disability claim, you can file an appeal. To be successful, you must provide evidence supporting your right to long-term disability benefits. This could include medical records and testimonies from third-party experts.

Working with a disability lawyer is often the best way to make sure your appeal is filed properly before any deadlines.

An attorney can write a detailed appeal letter on your behalf explaining why your claim should have been approved. They can also fight for you in court if Lincoln Financial refuses to overturn its denial.

While the appeals process may seem complex, know that skilled disability insurance lawyers are familiar with the process and can handle the entire process for you.

What to Expect With a Lincoln Financial Disability Appeal

A disability lawyer can manage your Lincoln Financial long-term disability denial appeal from start to finish, giving you time to rest and take care of yourself.

Experienced attorneys are able to lift the burden to secure benefits with minimal stress for their clients.

Find out more about the basic steps to appeal a Lincoln Financial long-term disability denial.

1. Get a Free Consultation with a Disability Lawyer

At LawFirm.com, we offer free case consultations to see if you may be eligible to file a Lincoln Financial claim.

If you’re eligible, one of our partner lawyers will start working on your appeal right away — and they won’t charge you any upfront or hourly fees.

2. Collect Evidence to Support Your Case

Your attorney will gather documentation to build a strong case.

Evidence in your Lincoln Financial disability denial appeal may include:

Correspondence with Lincoln Financial
Disability insurance claim as first filed
Documents missing from the original claim
Expert opinions from medical professionals
Job description to show why you cannot work
Lincoln Financial’s denial letter
Medical reports and notes
Policy documents for your plan

3. Appeal Your Claim

Your lawyer will file your appeal and all supporting documentation with Lincoln Financial. They will keep you informed of any updates so you know where your claim stands.

If your appeal is denied, they may be able to file a second appeal or file a lawsuit against the insurance company.

Chat with us right now to see if our legal partners can help you secure the benefits you deserve.

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Get Help for Your Lincoln Financial Disability Denial

If you are 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 are owed.

LawFirm.com works with top disability insurance attorneys across the country who have experience successfully recovering long-term disability benefits for Lincoln Financial policyholders.

Together, they’ve helped policyholders recover over $131 million for unfair insurance denials, including denials issued by Lincoln Financial.

Call (888) 726-9160 now for a free consultation or fill out this form for a free Lincoln Financial Disability Denial case review right now. We may be able to connect you with a top-quality disability denial attorney or law firm in your area.

Lincoln Financial Long-Term Disability Denial FAQs

How do I appeal a long-term disability denial from Lincoln Financial?

You can appeal a long-term disability insurance denial by submitting a formal request to Lincoln Financial.

This request should include any additional evidence or documentation that supports your claim, including letters from medical providers and updated medical records.

The easiest and most stress-free way to move forward with an appeal is to work with an experienced disability lawyer. Find out if we can connect you right now during a free case review.

How long does it take Lincoln Financial to approve long-term disability?

Lincoln Financial long-term disability (LTD) benefits become available after an elimination period of 90 to 180 days following your disability.

If you are 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.

Why would Lincoln Financial deny a disability claim?

The reason for a Lincoln Financial disability denial varies from case to case, but common reasons include:

Documentation or paperwork issues
A medical condition that doesn’t qualify
Oversight by staff
Pre-existing condition

Lincoln Financial is also known for wrongfully denying claims in order to protect its profits.

Call (888) 726-9160 now to see if we can help you appeal a denied Lincoln Financial disability claim.