Lincoln Long Term 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 need assistance with a long term disability claim with Lincoln Financial Group, you need to know that you do not have to handle this often-challenging process on your own. An experienced attorney can help you with your application or can help you appeal if your claim for benefits is denied.

Our attorneys have extensive experience handling disability insurance claims and we’ve helped clients across the nation get the benefits they’re 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 is an insurance company first and foremost, 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.

When you hire Abell and Capitan Law, our quality representation will not cost you anything upfront. Our firm will only charge legal fees when you get the benefits you’re entitled to.

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

When you file 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.

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 need to file for long term 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

Depending on the type of policy you have, long term disability benefits could last for years or even decades. As long as you meet your insurer’s definition of disability, you are entitled to continued benefits. In general, the termination date for most policies is age 65 or Social Security Retirement Age (SSRA), whichever is longer.

Lincoln Financial will need your name, Social Security number, home address, the date you stopped working, the cause of your disabling condition, and information about your treating doctors such as their phone number and address. Failure to include all of this information in your application will result in delays until the information is received.

The elimination period is the waiting period that you must observe before you can start receiving benefits. Depending on your policy, the waiting period could be 30 days, 60 days, 90 days, six months, or even a year.

Contact a Lincoln Disability Insurance Claims Attorney Today

Abell and Capitan Law represents those who are seeking long term disability insurance benefits from Lincoln Financial Group. Our experienced disability insurance attorneys have the skills and experience you need on your side, and our goal will be to get you the maximum benefits available according to your policy. Don’t trust the insurance company to do the right thing and pay you what you’re entitled to. Call (267) 419-7888 or contact us online to get qualified legal counsel on your side.

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