A denial from Lincoln Financial can feel like the rug has been pulled out from under you, especially when you are already dealing with a medical condition.
Long-term disability benefits are meant to provide financial security, yet Lincoln Financial may deny claims even when policyholders believe they have done everything right.
At BenGlassLaw, our Lincoln Financial denied long-term disability claims lawyers represent individuals facing denied insurance claims. We have recovered over $100 million in claims and benefits and understand how to challenge insurer tactics while building strong, evidence-based appeals.
Our goal is to relieve the pressure on you while we focus on pursuing the benefits you deserve. Contact us 24/7 to schedule a free consultation with our denied long-term disability claim lawyer team.
Why Was My Lincoln Financial Long-Term Disability Claim Denied?
Lincoln Financial relies on a variety of justifications when denying long-term disability claims, often focusing on technical policy language or selective interpretations of the evidence.
Understanding the following common denial tactics can help you identify weaknesses in the insurer’s decision and determine how a denial may be challenged with strong legal and medical support:
- Disputed medical support: The insurer may claim that medical records, test results, or physician notes do not sufficiently prove disability under the policy terms.
- Policy definition changes: Claims are sometimes denied when the policy transitions from an “own occupation” standard to a more restrictive “any occupation” standard.
- Paper–only medical reviews: Lincoln Financial may rely on file reviews conducted by doctors who never examine you in person.
- Surveillance or social media use: Photos, videos, or online activity may be taken out of context to question the severity of your limitations.
- Administrative or technical issues: Missed deadlines, incomplete paperwork, or alleged failure to follow treatment recommendations can lead to a denial.
For a free legal consultation call (703) 591-9829
What Steps Should You Take After a Lincoln Financial Disability Denial?
A denial letter from Lincoln Financial is not the end of the road. It is often the most important point in the claims process, where careful action matters most.
Key actions to take immediately include:
- Reviewing the denial letter in detail and identifying all appeal deadlines
- Requesting your complete claim file and a copy of your disability policy
- Documenting your medical symptoms, limitations, and how they affect daily work activities
- Securing updated medical opinions and supporting documentation
- Speaking with an experienced Lincoln Financial denied long-term disability claims lawyer before filing an appeal
Taking the right steps after a Lincoln Financial disability denial can significantly affect whether you ultimately recover benefits, and having experienced legal guidance can ease both the stress and uncertainty of the process.
At BenGlassLaw, we focus on helping disabled individuals challenge unfair denials and face ERISA rules with confidence. Our team is available 24/7 to take your call and schedule a consultation after a denial, giving you the opportunity to understand your options and move forward with trusted support.
How BenGlassLaw Supports Lincoln Financial Disability Denial Appeals
The right legal team can directly impact your ability to recover long-term disability benefits after a Lincoln Financial denial. Our team focuses on building strong, deadline-compliant cases that anticipate insurer tactics and are supported by thorough medical and vocational evidence.
Policy and Denial Analysis
We carefully review your Lincoln Financial policy and denial letter to identify errors and weak justifications. Our team is laser-focused when it comes to finding opportunities to challenge the insurer’s decision.
ERISA Appeal Strategy
Our Lincoln Financial denied long-term disability claims attorneys develop a comprehensive ERISA appeal strategy designed to strengthen the administrative record and protect your right to benefits.
Medical Evidence Development
We may work closely with treating physicians to obtain detailed medical records, narrative reports, and functional assessments that clearly support your disability.
Insurer Communication Management
All communications with Lincoln Financial are handled on your behalf, reducing stress and preventing missteps that could harm your claim.
Litigation Preparation
If an appeal is unsuccessful, we prepare your case for litigation and are ready to pursue benefits through the courts when necessary.
24/7 Client Availability
We are available 24/7 to answer questions, provide updates, and address concerns throughout the claims process.
Established Track Record
BenGlassLaw has been serving clients since 1995, with a long-standing focus on disability and insurance claims.
Client-Focused Service
We deliver excellent customer service with clear, consistent communication so you always know where your case stands.
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Call 24/7 for a Free Consultation With Our Lincoln Financial Denied Long-Term Disability Claim Lawyers
A denied long-term disability claim does not mean you are out of options. Many denials can be appealed or challenged successfully with an experienced Lincoln Financial denied long-term disability claims lawyer from our team.
At BenGlassLaw, we have been serving clients since 1995 and have recovered over $100 million in claims and benefits for individuals facing powerful insurance companies.
Visit our FAQ page to learn more about the disability claims and appeals process.
Call (703) 591-9829 or complete a Free Case Evaluation form