Denied by
Lincoln Financial
Long-Term Disability
Insurance in WI?
Reclaim Your Peace of Mind
A health crisis is like hitting a brick wall. All your careful planning, and hard work you put in to building your career, suddenly halts.
But you thought ahead, signing up for long-term disability insurance from Lincoln Financial through your employer or by yourself.
When you needed benefits, you put in a claim, only to have Lincoln Financial deny you and refuse to pay. Or you got benefits for a while, but now they’re pulling back this crucial support.
It’s infuriating. Big insurance companies like Lincoln Financial are well-versed in denying claims. After all, payouts hurt their bottom lines.
They have expert legal teams to protect their positions. Having an experienced disability lawyer at your side can make sure you get what’s fair.
At the Becker Law Office and Hawks Quindel, we know how insurance companies work. Our long-term disability lawyers have helped thousands of people in Wisconsin reverse denials or regain lost benefits.
Call us today, and let’s get you over the wall and back to the secure life you worked hard to achieve.
How Lincoln Financial Denies Long-Term Disability Benefits
Lincoln Financial is based in Pennsylvania and has 16 million customers, according to its own website. Workers across Wisconsin use their services for long-term disability insurance.
But you’re more than just one in 16 million, and if they deny your claim or cut back your benefits, you don’t have to take it. The appeals process, laid out in both federal and state law, is there for a reason.
You need to understand how Lincoln Financial operates.
It seems like common sense that if you have a condition that keeps you from working, you’re entitled to the long-term disability benefits that you paid for. But that’s not how long-term disability insurance companies always see it. They see it as a drain on their revenue stream.
They’ll roll out a variety of tactics to undermine your claim. Some of those arguments include:
- You didn’t provide enough medical evidence.
- You have a pre-existing medical condition that isn’t covered.
- You don’t meet the definition of “disability” under your plan.
- You missed a deadline or made a mistake on your application.
- Your medical assessments don’t match perfectly.
It can be mind-bending to decipher their rationale. You should be putting your energy into managing your debilitating health condition, not tangling with insurance.
Long-term disability insurance was supposed to be a safety net. Now it’s a tripwire threatening your financial health.
At the Becker Law Office and Hawks Quindel, we know how to fight for your rights.
Let us take a look at your case. You can get a long-term disability attorney case consultation at no charge to you. Get in touch to start on the path toward the benefits and financial relief you need and deserve.
What Can You Do To Appeal Your Lincoln Financial Disability Claim?
Lincoln Financial may deny your claim outright or whittle down your benefits after a period of time, but they don’t get to be the final decision-maker.
Our experienced team of long-term disability lawyers fight for Wisconsinites who signed up for insurance plans with Lincoln Financial.
To start your appeal, take a hard look at the denial letter Lincoln Financial sent you. It will have clues to the arguments their lawyers and experts are using against you.
If you already received long-term disability payments but face a termination of benefits, you may find Lincoln Financial used a common tactic in the insurance industry, switching from the “own job” to “any job” standard.
You won your claim initially because you proved you couldn’t do your “own job” that you had to leave. But a line in the fine print says that after a period of time, you have to prove you can’t do “any job,” otherwise you lose benefits.
The insurance company cannot, however, defy state or federal laws. Long-term disability coverage you got through your employer, for example, is governed by the federal Employee Retirement Income Security Act (ERISA).
The disability lawyers at the Becker Law Office and Hawks Quindel are experts in federal law and Wisconsin law for health insurance plans. We know what protections you should be getting and can stop insurance companies from unfairly denying, curtailing or terminating benefits.
We’ll also be there to support you as an individual in a stressful process. We may handle a lot of cases across Wisconsin, but we understand how important and personal your claim is to you.
We can help you beat Lincoln Financial at its game, and get you back to stable financial footing so you can focus on what’s important: your health and your family.