Lincoln Disability Insurance Claims Attorneys
Lincoln Financial Group is the marketing name for Lincoln National Corporation, a Radnor, Pennsylvania-based holding company whose principal subsidiaries include Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York, First Penn-Pacific Life Insurance Company, Lincoln Financial Distributors, and Lincoln Financial Advisors. In its 2018 Annual Letter to Shareholders, Lincoln Financial stated that it had $16.424 million in total revenue in 2018.
Lincoln acquired the disability, group life, and dental insurance divisions of Jefferson-Pilot Corporation when it acquired the company in March 2006. The Better Business Bureau (BBB) gives Lincoln Financial Group a grade of A+, but some people who file disability claims with Lincoln may still have their applications for benefits wrongly denied.
If you or your loved one are attempting to file a disability claim with Lincoln Financial Group, you need to know that you do not have to face all of the related issues in your own. You can make life easier for yourself by retaining legal counsel.
Our firm is dedicated to disability claims and helps clients recover all of the benefits they are entitled to. You can have us discuss your rights when you call (267) 419-7888 or contact us online to schedule a free consultation.
Do I Need A Lincoln Disability Insurance Claims Lawyer?
You need to keep in mind that Lincoln Financial Group remains an insurance company, and all insurers make their money by collecting premiums while minimizing the amounts paid to claimants. In other words, there is usually a financial incentive for an insurance company to deny your claim.
Considering the scrutiny that your application is likely to undergo, you are going to want to be confident that your initial application is free from common errors. You can give yourself the best chance of submitting a request more likely to be approved by having it reviewed by an attorney who will know what the most frequent mistakes are.
A lawyer is also going to be able to ensure that your claim is handled correctly and given fair consideration. When you have an attorney, they can usually identify any insurance company errors concerning the administration of your claim.
People who attempt to file their own claims often become distraught when Lincoln seems to take excess time in conducting its investigation and rendering a decision. A lawyer will be able to compel action when Lincoln is delaying a resolution to your case.
Why Choose Abell and Capitan Law To Handle My Case?
Erik Abell received his Juris Doctor from the Louis D. Brandeis School of Law at the University of Louisville after earning a Bachelor of Arts from the University of Kentucky. He litigates ERISA governed disability claims in federal courts throughout the United States.
Joe Capitan is a member of the Philadelphia Bar Association, Pennsylvania Association for Justice, and Pennsylvania Bar Association. He was named a Pennsylvania Rising Star by Super Lawyers in 2013, 2014, 2015, 2016, and 2017.
You will want to work with Abell and Capitan Law because it will not cost you anything upfront. Our firm will only charge legal fees when you receive a financial award.
We only represent people, never insurance companies. Abell and Capitan Law has three Pennsylvania offices in Philadelphia, Chadds Ford, and Newtown Square as well as a location in Louisville, Kentucky.
Types of Lincoln Disability Insurance Claim Cases We Handle
Lincoln Financial says you should file a short-term disability claim when you have been absent from work because of an illness or injury and will not be returning within the seven-day elimination period. You should also file if you are within one week of planned childbirth or surgery.
Lincoln claims that a decision on your claim will be made within three days of all necessary information being received. You should be contacted by email or phone about your application within 24 hours, but it is not uncommon for claims to be delayed because Lincoln claims it needs additional information.
When your disability is due to a work-related injury, you will be required to first file for workers’ compensation. Lincoln does not pay disability benefits to people receiving workers’ compensation benefits.
When short-term disability benefits are maternity leave-related, Lincoln considers the standard recovery time to be six weeks for vaginal delivery and eight weeks for Cesarean delivery (C-section). These benefits may last longer with medical documentation.
Short-term disability benefits will be a percentage of your weekly salary or a flat amount, depending on what is stated in your certificate of insurance. If you need benefits beyond your expected return date, you will have to provide medical documentation that outlines the complications to your recovery.
When a person who is receiving short-term disability benefits is still unable to return to work, Lincoln Financial can link short-term disability plans to long-term disability plans. The claims examiner may require additional information from you, your employer, or your treating physician.
If your original claim is going to be a long-term disability claim, the application has three sections that need to be completed by you, your employer, and your doctor. All three have to be received by Lincoln before any benefits are paid.
If you are entirely unable to return to work, then Lincoln may assist in helping you transition to Social Security Disability (SSDI) benefits. Lincoln states that about 67 percent of initial SSDI applications are denied and the company helps people by working with advocacy vendors who obtain a person’s authorization and can file for SSDI on their behalf.
One complicating factor in these types of cases can be whether a person has an individually-purchased policy or an employment-based group policy. The distinction is important because different laws govern the resolution of disputes in such cases.
When a person is a member of an employment-based group disability insurance plan and does not work or a governmental agency or religious organization, their insurance is governed by the Employee Retirement Income Security Act of 1974 (ERISA). ERISA is the federal law that establishes the standards for the parties responsible for administering ERISA plans and claims as well as requirements for processing disability insurance claims. If a person has an individual disability insurance policy, standards, and requirements are instead governed by state law.
You will want to talk to a lawyer as soon as you believe you will be filing for any disability benefits. It will be vital for you to be very conscious of some of the most common risks of disability claims.
For example, you are going to want to be extremely cautious about what you share on social media websites. Insurance companies like Lincoln are notorious for getting access to social media profiles and using people’s statements about their conditions or activities against them to prove that they are not disabled.
In some cases, Lincoln may even assign an investigator to monitor and videotape you engaging in activities outside the home. When there is evidence of you partaking in something that counters your disability claim, this will often be used as justification for a denial of benefits.
Frequently Asked Questions
Contact a Lincoln Disability Insurance Claims Attorney Today
Are you or your loved one trying to receive disability insurance benefits from Lincoln Financial Group? Do not try to handle all of the complex needs and requirements on your own. Abell and Capitan Law can help you understand all of your options so you can be sure that you get all of the benefits you need and deserve. Call (267) 419-7888 or contact us online to receive a free consultation.