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 cannot work due to injury or illness. However, disability insurance providers are known for denying claims to protect their bottom line. If you are facing a Lincoln Financial long-term disability denial, you may have grounds to appeal. Get a free case review right now to get started.

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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 Icon

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Understanding Your Lincoln Financial Long-Term Disability Denial

Receiving a denial for your long-term disability claim can feel final, but that’s not always the case. Getting your benefits is often just a matter of sorting out the details through an appeal.

The most important first step is pinpointing the reason for your Lincoln Financial long-term disability denial. This will shape the strategy for your appeal.

Lincoln Financial insurance denials can arise for various reasons.

Here are common reasons for long-term disability denials:

  • Claim was filed incorrectly or past the deadline
  • Disability did not last long enough to meet policy terms
  • Disability was not confirmed by a treating physician
  • Medical condition is not covered or was pre-existing
  • Treatment was not consistent or documented

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 an experienced disability lawyer, you can challenge the decision with as little stress as possible and improve your chances of a successful outcome.

If you’re struggling with a Lincoln Financial long-term disability denial, contact We’re here to help make sure your appeal has the best chance of success.

Get a free case review right now.

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 lawyer is often the best way to proceed to make sure your appeal is filed properly.

An experienced disability lawyer 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.

Chat with us right now to learn more about appealing your Lincoln Financial long-term disability denial.

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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.

Here are the basic steps that Lincoln Financial long-term disability denial appeals follow.

1. Get a Free Consultation with a Disability Lawyer

Contact for a free case consultation to see if we can connect you with an experienced disability lawyer. If you are eligible, your lawyer will start working on your appeal right away.

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.

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

Together, they have helped policyholders recover over $127 million for unfair insurance denials, including denials issued by Lincoln Financial.

Call (888) 726-9160 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 with 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.

Here are common reasons for long-term disability denials:

  • Documentation or paperwork issues
  • Medical condition that does not qualify
  • Oversight by staff
  • Pre-existing condition Icon

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  1. Cornell Law School. (n.d.). 38 CFR § 3.151 – Claims for disability benefits. Retrieved November 14, 2023, from
  2. Lincoln Financial Group. (n.d.). About us. Retrieved November 14, 2023, from
  3. Lincoln Financial Group. (n.d.). Long-term disability. Retrieved November 14, 2023, from—what-we-offer—callout3—flier-PDF.pdf
  4. Social Security Administration. (n.d.). Americans with Disabilities Act. Retrieved November 14, 2023, from
  5. Social Security Administration. (n.d.). Benefit claims procedure regulation FAQs. Retrieved November 14, 2023, from
  6. Social Security Administration. (n.d.). Disability benefits. Retrieved November 14, 2023, from
  7. Social Security Administration. (n.d.). Disabled worker beneficiary statistics by calendar year, quarter, and month.” Retrieved November 14, 2023, from
  8. Social Security Administration. (n.d.). Federal court review process. Retrieved November 14, 2023, from
  9. Sokolove Law. (2023, August 10). Lincoln Financial long-term disability denial. Retrieved November 14, 2023, from
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