Lincoln Financial Group Disability Claims
Our firm supports claimants navigating Lincoln Financial Group's (also known as “The Lincoln National Life Insurance Company”), short-term disability (“STD”) and long-term disability (“LTD”) policies, focusing on helping to initiate claims and overcoming denials to secure your income replacement benefits.

General Claims Process
Claims typically start with submitting forms, medical evidence, opinion evidence from your doctor, and employer input about your job responsibilities and wages. Lincoln conducts an initial review, which typically takes more than 30 days, to approve, deny, or pend, potentially involving clinical review, Independent Medical Examinations (“IMEs”) or vocational assessments.
Approved claims provide partial income replacement during your period of disability. Denials typically trigger a 180-day appeal window, during which you have the opportunity to gather additional evidence to rebut the reasons why your claim was denied.
Unique Facts and Challenges
Lincoln is known for frequent, almost automatic denials, often citing insufficient medical support or failure to meet technical policy definitions.
Claimants report frustrations with inconsistent handling, especially in group policies, and the company's narrow focus on objective evidence over subjective symptoms. Lincoln may also unilaterally extend review times, leading to prolonged uncertainty.
In addition, many Lincoln policies purportedly require you to appeal a denial twice, called a “second level appeal.” This requirement is onerous and represents yet another obstacle to approval.
Our attorneys have experience in appeals and lawsuits to address these issues. Reach out today to discuss your Lincoln claim—we handle everything from initial application to litigation.
