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 I’ll probably post it here.

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 they get 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?)

Anyway, here’s the text from Sherri’s email:


Emily,

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]