LAWSUITS NEWS & LEGAL INFORMATION
Lincoln Financial Group Long-term Disability Lawsuit
Were you looking for Disability Insurance or Long Term Disability Insurance (suitability standards and fraud) lawsuits?
By Heidi Turner
Lincoln Financial Group offers short and long term disability insurance policies to protect policyholders in the event that they are injured or fall ill and are unable to work. Some policyholders, however, have filed insurance lawsuits alleging they have been unfairly or unreasonably denied their claims. For example, they allege they have been denied because their medical documentation does not support their disability claim, even when they have a proper diagnosis from a doctor.
As with other insurance companies, Lincoln Financial has faced claims of improperly denying or delaying policyholders' claims or cutting off benefits that were previously approved. Among tactics that insurance companies such as Lincoln Financial are accused of using to justify unreasonable denials, delays, or reversals of benefits are:
Insurance companies have also been accused of committing bad faith insurance. In cases of bad faith insurance, the insurance company is alleged to have purposely denied policyholders' claims to protect profits or meet quotas, as opposed to simply having erred in denying, delaying, or reversing benefits.
Depending on whether the insurance policy is covered under the Employee Retirement Income Security Act (ERISA) or not, an appeal must either be filed with the insurance company or go directly to curt. If the policy is covered by ERISA—meaning it has been purchased through an employer—the policyholder has a strict deadline for filing an appeal with the company, and the company's appeals process must be exhausted before filing a lawsuit.
Even if the policyholder must go through the company appeals process, policyholders may still consider hiring an attorney to assist with the appeal because documentation filed in the appeal is the only documentation a judge will see if the case goes to court. In other words, policyholders must present the most detailed case possible at the appeals stage as they will not be able to submit new supporting evidence in court.
If the policy is not covered by ERISA, the policyholder may be able to file a lawsuit immediately after the claim is denied, depending on the terms of the policy.
Lincoln Financial has faced lawsuits it improperly or unreasonably denied, delayed, or reversed payment of benefits. Those lawsuits allege breach of contract on the part of the insurance company.
Last updated on
FREE LINCOLN FINANCIAL LTD LAWSUIT EVALUATION
Send your Lincoln Financial LTD claim to a lawyer who will review your claim at NO COST or obligation.
GET LEGAL HELP NOW
GET LEGAL HELP NOW
Lincoln Financial Long-Term Disability Denials
- Ignoring or overruling the diagnosis and medical opinion of doctors
- Basing opinions on limited or incomplete paperwork
- Classifying medically accepted treatments as "experimental"
- Wrongly classifying the policyholder as able to work (or as "no longer meeting the definition of disabled")
- Claiming paperwork was not filled out correctly
- Refusing to honor the conditions of the policy
- Claiming a pre-existing condition
Insurance companies have also been accused of committing bad faith insurance. In cases of bad faith insurance, the insurance company is alleged to have purposely denied policyholders' claims to protect profits or meet quotas, as opposed to simply having erred in denying, delaying, or reversing benefits.
Lincoln Financial Disability Denial Appeal
Depending on whether the insurance policy is covered under the Employee Retirement Income Security Act (ERISA) or not, an appeal must either be filed with the insurance company or go directly to curt. If the policy is covered by ERISA—meaning it has been purchased through an employer—the policyholder has a strict deadline for filing an appeal with the company, and the company's appeals process must be exhausted before filing a lawsuit.Even if the policyholder must go through the company appeals process, policyholders may still consider hiring an attorney to assist with the appeal because documentation filed in the appeal is the only documentation a judge will see if the case goes to court. In other words, policyholders must present the most detailed case possible at the appeals stage as they will not be able to submit new supporting evidence in court.
If the policy is not covered by ERISA, the policyholder may be able to file a lawsuit immediately after the claim is denied, depending on the terms of the policy.
Lincoln Financial LTD Lawsuits
Lincoln Financial Group LTD Denial Legal Help
If you or a loved one has suffered similar damages or injuries, please click the link below and your complaint will be sent to a lawyer who may evaluate your claim at no cost or obligation.Last updated on
LINCOLN FINANCIAL LTD LEGAL ARTICLES AND INTERVIEWS
Summary Judgment for Lincoln National in Barber v. Lincoln National Life Insurance Company
July 25, 2018
On May 18, 2018, the Sixth Circuit denied Oliver Barber’s appeal in his long term denied disability lawsuit against Lincoln Financial (the marketing name for Lincoln National Corporation and insurance company affiliates). This is likely the end of the road for Barber’s lawsuit, but it was hard fought and thoroughly argued. There is a lot to learn from Barber about how to succeed in future long-term disability lawsuits. READ MORE
READ MORE Insurance Settlements and Legal News
READER COMMENTS
Linda Charley
on
Erica Anchondo
on
Katie
on
Worst of all, LFG hired more than one third party to evaluate my claim, so my private medical information has been faxed, emailed and spoken about by quite a few people. Their contracted company demanded information from my doctor without giving any context, startling and irritating my doctor. I believe my HIPPA rights were violated.
DuhBrat
on
LFG starts the claim process by telling you to file for SSDI even though my hours have simply been reduced to 4 hours due to inability to sit or stand for long periods. Their solution was 4 hours of breaks a day when no employer is going to pay for breaks that equate to half your shift.
My part time accommodations were approved by my Orthopedic Surgeon at my request to return to work which Lincoln decided to arbitrarily and speciously overrule.
Sandra C Martinez
on
ept.
John C Main
on
I had planned to buy more stock in Lincoln Financial tommorrow December 12 2022. Having read these customer complaints I now decided to sell off my current shares in Lincoln Financial and not purchase any more stock in this once great company. I live in Greensboro N C ( all my life ) where many former employees of Jefferson Pilot Life Insurance was until LF purchased it. Many of these people still work for Lincoln Financial. Former major stockholder Joseph Bryan would roll over in his grave over thiis.
Chris Main
on
Alexandra Clair
on
Wesly Jose Beckman
on
Robbie Miller
on
Aleshia Demery
on
Lincoln fails to give correct information on proper forms needed for extension .
Sends denial they tell you to disregard .
Change to process time everytime they are questioned about it.
Will not return calls or connect you to someone capable of answering questions.
This is a short list of my experience with lincoln.
Lauri H L
on
Karen Erikson
on
Bob
on
Joyce Hamilton-Whitson
on
Vicky Laws
on
Latrice Mallory
on
Barbara Campbell
on
Christine Dennis
on
Larry L. Shoppell
on