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

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]
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 emilysuess.com, please comment or send me a message through my contact form.