Lincoln National / Jefferson Pilot

Learn what to do and what needs to be included in a disability insurance appeal if your claim has been denied by Lincoln Financial.

GREGORY DELL: Hi, I am attorney Gregory Dell. I’m here today with Victor Pena. And Victor, let’s talk today about strategies and things that somebody who’s been denied a long-term disability appeal or claim, I should say, by Lincoln Financial.

Lincoln Financial – company been around for a long time. They’re one of the largest group disability insurers in the entire country安徽福彩网app官方下载. We know that they recently, in 2018, acquired the long-term disability division of Liberty Mutual, which was big.

So the two of them now are a top five largest disability group insurer in the country安徽福彩网app官方下载. But let’s get into person who’s watching this video recently had their claim denied by Lincoln Financial. They need to file an appeal. What is the most important thing that needs to be done in that appeal.


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In this video, attorneys Gregory Dell and Stephen Jessup discuss the importance of medical documentation by a treating physician. They need to include what impact that condition has on the claimant’s ability to do his or her job. Mr. Jessup won a recent case against Lincoln Financial Group when, on a second administrative appeal, he was able to present convincing evidence that the claimant, who suffered from multiple sclerosis (MS), could not do her job.

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Susan Till v. Lincoln National Life Insurance 安徽福彩网app官方下载 (Lincoln) is a 74 page opinion in which the plaintiff, a radiology technician who suffered with severe back pain, raised many issues in her pursuit of long-term disability benefits. Till’s application for long term disability benefits was denied and, after she exhausted her administrative appeals, she filed this ERISA law suit.
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What is my "Own Occupation"? The overwhelming majority of ERISA governed group disability policies provide benefits for a period of time normally lasting 12-24 months for one’s inability to perform the duties of their "Own Occupation." Although the actual policy language varies from insurance carrier to carrier, each insurance company will usually define Own Occupation to mean the duties of the occupation as is it found in the national economy and not the actual job duties you are performing for your employer. The insurance companies will in turn review your Own Occupation as it is found in either the Dictionary of Occupational Titles (DOT), O*Net or some other similar vocational resource. More often than not, many people who have had their claim for benefits denied argue that the insurance company did not consider their claim in light of the actual job duties. A recent court decision may give this argument more strength.


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Disability Blog & Cases:

The Prudential Insurance 安徽福彩网app官方下载 of America (Prudential) had four different lawsuits filed against it by four Plaintiffs in the District Courts of South Carolina (2 cases), New York, and West Virginia. In

Disability Blog & Cases:

A Federal Court recently ruled in favor of a man denied long-term disability benefits by Lincoln. The court agreed with his Michigan disability attorney in this ERISA Lawsuit and ordered reinstatement of LTD benefits along with past due benefits with interest.

Disability Blog & Cases:

Carol Snyder and her Missouri disability lawyer filed a civil complaint against Liberty in United States District Court in the Western District of Missouri because Liberty denied her claim for short-term disability benefit payments.


Disability

Disability Insurance Law TV:

In this video former Montana Insurance Commissioner John Morrison discusses that the fact that disability insurance companies will use hired gun doctors to wrongfully deny disability insurance claims. Additionally, you will hear a view in defense of hired insurance company doctors from