Just because you’ve bought a long term disability benefits insurance policy through your employer and become disabled and unable to do any work doesn’t mean the insurance company is going to automatically approve your claim for LTD benefits. Lincoln National Life Insurance and other insurance companies often employ strict rules and regulations when it comes to making a decision on a long term disability claim. In many instances, these requirements are used to delay or deny an LTD benefits claim.
If received a Lincoln National Life Insurance disability denial, please call Marc Whitehead & Associates for a no-cost, personalized case evaluation with a leading disability insurance lawyer.
The law firm of Marc Whitehead & Associates has represented thousands of clients who have had their long term disability claims denied by Lincoln National Life Insurance and other insurance companies. We are dedicated to protecting the rights of disables workers during the LTD benefits claims process and insuring our clients receive a fair hearing based on the total evidence they submit to support their claim.
Who Is Lincoln National Life Insurance Company?
A Fortune 500 company, Lincoln Financial Group is the commercial name for Lincoln National Corporation and affiliate insurance companies, including The Lincoln National Life Insurance Company and Lincoln Life & Annuity Company of New York.
The Lincoln National Corporation was founded in 1905 and is headquartered in Radnor, Pennsylvania. In 2016, the Lincoln National Corporation reported their total assets as amounting to $262 billion.
Lincoln National Life Insurance Company is one of the largest providers of short-term and long-term group disability insurance in the U.S. In addition to the group disability policies, Lincoln National markets individual, private disability insurance plans as well.
In 2006, Lincoln Financial acquired Jefferson Pilot Corporation based in Greensboro, North Carolina. Jefferson Pilot was formed from the merger of Jefferson Standard Insurance and Pilot Life Insurance Company.
Jefferson pilot sold individual disability policies and ERISA-governed disability insurance policies. Jefferson Pilot or Jefferson Standard Insurance disability claims are currently administered and paid by the Lincoln National Insurance Company.
Policyholders of Lincoln’s employer group LTD policies are protected under ERISA laws. Passed by Congress in 1974, ERISA regulates the employee benefits plans (such as short and long term disability insurance) of workers employed at private or publicly traded companies. Among other things, ERISA gives policyholders the right to appeal an insurance company’s denial of LTD benefits, including filing lawsuit in Federal Court.
Difficulties with Lincoln National Disability Claims
The attorneys of Marc Whitehead & Associates have successfully handled several cases in which disabled policyholders have encountered difficulties in getting their claims for LTD benefits approved by Lincoln National.
We’ve found that in many instances, Lincoln administrators make their decisions after just a cursory review of a claimant’s medical records, and then deny a claim on the basis of what they consider to be a “lack of medical evidence” of disability.
Another problem our clients regularly encounter is Lincoln National’s return-to-work incentive that is applied in many disability claims. Our clients wish for nothing more than to be able to be healthy enough to return to work. However, their conditions are often so severe that returning to work in any capacity is no longer an option.
Other tactics Lincoln National employs that create difficulties for disabled policyholders include partially or selectively reviewing the evidence in a claim; making a determination based on only a “paper review” rather than the results of an in-person examination by a qualified physician and even video surveillance.
Contact the LTD Disability Claim Denial Attorneys Who Can Help
If you’re facing a Lincoln National Life Insurance disability denial, you only have a limited time in which to appeal their decision.
The nationally recognized law firm of Marc Whitehead & Associates has helped many disabled workers successfully avoid the obstacles Lincoln National and other insurance companies use to delay and deny a claim for LTD insurance benefits.
We have extensive experience in preparing an effective appeal. Our highly experienced LTD benefits attorneys will ensure that Lincoln is provided the vocational documentation and medical records that prove beyond a shadow of a doubt the extent of your impairments and inability to return to work.
Call the law offices of Marc Whitehead & Associates to ensure your rights are protected so that you receive the LTD benefits to which you are entitled.