Lincoln Financial Group Denies My Appeal

Lincoln Financial Group Denies My Appeal

I mean, let’s be honest, we all knew this was coming. At 11:09 this morning, Lincoln Financial Group sent me this email. What’s next? I don’t know yet, but when I do know, I’ll probably tweet about it.

At some point I will get around to uploading the supplemental documents I added to my second letter and the letter itself. I figure if nothing else, you should see what exactly LFG gets away with ignoring and why any premuims you pay them are probably a waste. (Like I keep saying, if they can deny paying me? What cases do they even cover?)

Lincoln Financial Group’s Email


We have completed the review of your appeal for Long Term Disability benefits.  The determination is unfavorable and we will be upholding the denial.  A letter is being sent to you via email with the decision. 

You have a second level of appeal available if your disagree with this determination.

Thank you,

Sherri [Last name redacted]
Claims Specialist
Lincoln Financial Group

UPDATE 11/16/2019

I have hired an attorney to help me with my appeal. The process takes forever, and I still have not completed my second appeal against Lincoln Financial Group. To date, they have not paid me the benefits I am owed for approximately 8 months. I urge everyone to avoid buying policies with LFG. They are a horrible company making billions off people who are vulnerable and sick.

(If you’d like to share your own long term disability horror story here on, please comment or send me a message through my contact form.

One Thing You Can Do

One Thing You Can Do

Hi all! A few people have asked about helping me in my fight against Lincoln Financial Group. Today’s post is in response to that question. One thing you can do to help me this week is send an email to the Dean at the Perelman School of Medicine where Dr. Lee Hartner is listed as a member of the faculty.

(The dean’s publicly listed email is Additional emails can be found here, if you’d like to CC: anyone else at the Dean’s office.)

We all know appealing to any sense of morality on the part of Lincoln Financial Group is a lost cause. However, we can and should still expect doctors, especially those charged with the education and mentoring of the next generation of medical professionals, to maintain public confidence in the profession.

Feel free to copy and paste the letter below directly into an email, or just use it as a springboard for writing your own. If you hear back from anyone, please tell me about it! Use my contact page or email me directly at

As always, thanks for your support. I promise to let you all know as soon as I have any news to share. IF I have any news to share.

Dr. Jameson,

I have read the open letter at and would like to know your position on Penn Medicine faculty taking money—money that should be going to pay disabled consumers’ long-term disability claims—in exchange for biased medical reviews that contradict treating physicians’ professional medical opinions.

Doctors who accept payments for these underhanded disability reviews not only directly harm patients by stripping them of financial security, they are an insult to treating physicians who work to provide the best possible medical care for their patients. In Emily’s case specifically, Dr. Lee Hartner’s report is a cruel dismissal of the professional rapport Emily’s primary physician established with her patient. What Dr. Hartner did in declining to even speak with Emily’s primary physician goes beyond professional discourtesy, it’s an insult.

When you fail to call out this behavior, you protect a minority of greedy doctors at the expense of the reputation of the entire medical profession. The very least you could do is explain to Emily and the general public why you don’t seem to have a problem with that.

Updated 7/10/2019 7:31 CDT to correct a typo I just couldn’t stare at any longer.

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