Lincoln Financial is a horrible company. I will be filing complaints w BBB and any other media I may find. I've worked at my job for 12 years, during the past year, in Aug., I filed a long term disability claim. Now it is almost March and i still do not have a cent. My doctors have supported my disability, but Lincoln does not want to pay me my retroactive pay, so they are looking for any and all loopholes they can find. They find a loophole, I provide needed info to correct it, they find another loophole. It is STILL going on! Even my doctors said the forms my adjuster sent them were mis-leading and "tricky".
The adjuster is horrid. She obviously hates her job. I have had to call her supervisor, several times, just to make this person respond! Then when the adjuster calls, she has to tell me she knows I contacted her supervisor, as though she is trying to intimidate me.
Save yourself money and grief. Do not buy their long term disabliity insurance. Put your money in the bank. I am now bankrupt, with two kids and on food stamps just to survive. Thanks Lincoln Financial.
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