Was Your Lincoln Financial Insurance Claim Denied?
Gianelli & Morris is Here to Help
Insurance companies make money by assuming that individual policyholders and beneficiaries don’t ask questions. They deny claims, offer lowball settlements, and otherwise try to avoid paying what they owe, betting on the fact that most people will just accept what they are told. You do not need to be one of those people who takes an insurance company at their word. If they deny your claims or try to limit your benefits, you have the right to push back.
Big insurance companies like Lincoln Financial are always looking for reasons to deny claims and limit benefits paid to policyholders. The California insurance denial and bad faith insurance attorneys at Gianelli & Morris are ready to help you understand your rights and fight for the coverage you and your family deserve. Find out if you’re a good candidate to appeal a wrongful health or disability insurance denial or file a bad faith insurance claim by contacting the Los Angeles offices of Gianelli & Morris for a free consultation.
Who is Lincoln Financial?
Lincoln National Corporation is a fortune 250 holding company operating multiple insurance and investment management businesses through subsidiaries. They market themselves as Lincoln Financial Group. Originally providing life insurance, Lincoln Financial now offers a wide range of insurance and financial products, including life insurance, long-term disability, short-term disability, and reinsurance. They currently have more than $260 billion in assets.
Why Does Lincoln Financial Deny Claims?
Lincoln Financial, like other providers of disability and other types of insurance, looks to deny reasonable claims for any number of reasons. If there is even a potential justification for denial under the policy language or based on your medical records, you can bet that Lincoln will use it. Even if there is no reasonable justification, Lincoln Financial may still try to gin up a sham reason in order to avoid liability for benefits.
Some of the excuses Lincoln Financial might rely upon when denying a claim include:
- Lincoln Financial claims that you have not submitted sufficient evidence from your medical record to support your life, health, or disability claim
- Lincoln claims that you have not sufficiently provided proof of loss relating to your claims or that your proof was not provided in a timely manner
- Lincoln tries to reject your claim on the grounds that it is based on a pre-existing condition
- Lincoln argues that your policy lapsed due to missed payments
- Lincoln asserts that your initial application for insurance coverage included material omissions or falsehoods
- Lincoln claims that a policy exclusion should be interpreted broadly so as to incorporate your claims
Whatever the stated justification for denial, you have the right to fight back and expose any stands that are unreasonable or merely pretexts. The seasoned insurance denial attorneys at Gianelli & Morris will help you appeal wrongful claim denials and pursue additional remedies including review by the California Department of Insurance and filing bad faith insurance legal claims. We will go toe-to-toe with Lincoln Financial to make sure that they pay you and your family the benefits you are due.
Call Gianelli & Morris for Help with a Lincoln Financial Insurance Denial
If your short-term disability, long-term disability, or health insurance claim has been denied, you do not have to accept the rejection at face value. A dedicated and professional insurance claim denial attorney can help you fight back against the denial and ensure that disability, health, and life insurance providers are held liable when they reject claims for unlawful reasons. We help injured Californians with health insurance claims, STD and LTD claims, denial appeals, and bad faith insurance allegations, whatever the stated justification.
If you have been injured or have become disabled and need help pursuing a claim with Lincoln Financial, or if you hope to appeal a disability claim denial from Lincoln Financial or another California insurance provider, contact the qualified and effective Los Angeles insurance denial lawyers at Gianelli & Morris for a no-cost evaluation of your claim at 213-489-1600.