Lincoln Financial Group

I am getting the old run around on this short term disability claim. I have submitted medical documentation and the doctor sends in reports after every visit.

Yet, I had to request a response from the adjuster, Zachary Valencia, otherwise, would not know that the claim being challenged so Lincoln can set the claim to be denied.

I have received two small payments since my claim.

It has been a month since my last payment. Yet, I had to initiate a dialogue to get information.

I know the insurance company does not want to pay the claim that my job offers!!! This practice is ludicrous when there are legitimate claims.

Lincoln financial has a very bad reputation for being deceptive in their practices to avoid paying claims. I will be contacting the insurance oversight agency.

This may not make any difference in Lincoln financials performance or practices but I will feel better!

My job pays for this insurance and it is ludicrous that an employee has to go through this much trouble and subterfuge to process a simple short term disability claim.

I have two fractured knees and a meniscus tear and I am being told my recovery time is taking longer than expected.

I am 66 years old.

my job physical as a teachers assistant at a school.

I have been off work since May 24,24. I have a licensed professional orthopedic surgeon that I see every two weeks and reports are sent to Lincoln via the doctors office.

Theres nothing else I can provide or do!!!

Carla Nance

Nothing will get done without calling them every step of the way. Expecting them to contact you when something is needed is a bad idea.

Even after confirming that everything needed has been submitted, they will say something else is needed when calling to check on the status. They do not check the submitted application. I have asked them to do a bank transfer. After months of correspondence, they sent a check.

When I called them about this, they said, 'I don't know why it was done this way. I'll have it changed and will have the bank transfer on the way. Nothing else needs to be done on your end.' ... I called them again after a month; nothing was in progress.

They are unprofessional, and most of them ooze a bad attitude over the phone.

There were a few people that seemed helpful, but through my months of correspondence, very few gave me that impression. I haven't had experiences dealing with this type of company before, but I can't imagine many being worse.

I have been on LOA from work (since march 3) trying to be approved now by Lincoln financial, i have had MANY conversations with various representatives from LFG. These representatives have miss quoted me, have filed incorrect information, have left things out of my statements (i have ALL convos recorded) all of this lead to delayS in my approval.

While BEGGING one of their claim handlers to understand the information i was forced to talk about my abusive marriage, my financial troubles, and my abusive mother. All of this to a payment company- when Im on a LOA (clearly documented) for panic, anxiety, ect. Things i should only be speaking to my therapist/specialists about. The reasons i am out on leave are clearly stated in the doctors notes.

But because the SECOND representative didnt not put ALL of what i said in the claim they are trying to deny me again. I tried calling their ethics line, i have tried customer service, i have asked for a corporate number, i have asked and begged this company for help, understanding and compassion (while i am out on a leave for mostly anxiety) and they wont comply.

They wont give you a supervisor when you ask, they are adding extra hurdles to my mental health recovery i do not have the strength to deal with!! How do you get attention on a higher level from this company?!