ComplaintsforLincoln National Financial Group

• Initial Complaint

  07/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  This is regarding parental leave that was submitted initially in January of 2024. My due date was in July 2024. I gave birth 7/8/2024. I called Lincoln financial group on 7/9/2024 to advise I had given birth as instructed. My claims rep was out so I spoke with another representative who advised they updated my file. I emailed on 7/18/2024 to confirm everything was in order and did not receive a response. I called and spoke with my claim rep on 7/23/2024 who made it seem like nothing was updated until that day. Not sure why it delayed the process from 7/9 to 7/23. Now my employee advised the claim is still pending and I cannot be paid until it is approved. I contacted my claim rep and left a message on 7/25 and no response since. Even if the claim is approved I now need to wait another two weeks per my employer due to Lincoln financial groups delay.

  Business response

  07/29/2024

  We are responding to your request dated 7/26/2024.  We would like to thank you for sending this complaint to us on behalf of our insured, ***************************.  However, privacy laws limit the amount of information that we are able to provide you regarding this matter.  Our records indicate **************** was notified on 7/26/2024 regarding her claim approval.  If she has further questions, she can reach her claims examiner, ************** at ***********************.

  Sincerely,
  ***********************
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

  Customer response

  07/29/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  07/22/2024

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  I submitted a loan request against my whole life insurance policy due to emergency hardship on 6/28/24 and was told that this would be processed within 7 business days. I followed up on 7/12/24 after not hearing anything and was told that there was no issue and an escalation had been submitted. I was promised a call back within 3 business days with an update. No call came so I called them again on 7/17/24 to follow up yet again. I was told that the funds had not been disbursed yet even though it was well past the original timeframe I was due to receive the funds. I requested a rush overnight on this since it was an emergency. I was then told I would receive a call back with an update by 7/19/24 at the latest. No call was received. I have been told that there is no issue, that the loan funds are coming but I am here because I'm behind on all my bills and nobody is giving me my money and I'm losing faith that I will receive it.

• Initial Complaint

  07/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  No meaningful way to reach a representative for issues about my retirement account. Phone number on their website leads to aggressive telemarketer. Phone number obtained from internet search is automated and kept on hold for over an hour w/o response.

  Business response

  07/18/2024

  To whom it may concern,

  Please see the attached.

  Thank you.

• Initial Complaint

  07/03/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Lincoln National ********************** terminated my life insurance policy. They sent correspondence my old address even after I provided them with my current address. They claim they didn't receive the past due premium amount to reinstate my policy which was due on Feb 6, 2024. I spoke with one of there representatives on Jan 17, 2024 he confirmed my payment was received as well as my application to reinstate my policy. At the company's requested I faxed over a name change from and an address change form on May 3, 2024. I even indicated on the fax cover sheet to please send a confirmation email to let me know they received these forms; once again no response. I have completed everything they have requested of me, no one response at all. I followed up again since I hadn't heard from them. I was told the case was closed in Feb. 2024 since I hadn't sent the requested payment. I have the United States Postal money order to prove I sent this payment to them overnight. I question the rep, how is it the company sent me correspondence to my correct address in Jan. 2024, but then you sent another correspondence to my old address in Feb *************************************************************************** the payment. It doesn't make sense. Lincoln Life does a poor job of communication.

  Business response

  07/10/2024

  Please see attached. 

  Customer response

  07/15/2024

   
  Complaint: 21935840
  
  I am rejecting this response because: I was told to pay the past due premiums in the amount of $114.06 by February 4, 2024 and to submit the application for reinstatement. The $114.06 payment via money was cashed. A company representative confirmed they had received the payment and the reinstatement application.  A different company representative told me I never submitted the payment that is why the policy was cancelled in February.  However I was in May 2024 to submit a name change form and an address change form, which I faxed the information requested on May 3, 2024. This lead me to believe the reinstatement application had been accepted and automatic payments would resume. If the company cancelled the policy in February, why would I be asked to submit name & address change forms?  

  I have supporting documents which were too large to attached. 

  
  Sincerely,
  
  **************************************

  Business response

  07/15/2024

  Please see attached. 

• Initial Complaint

  06/28/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I am utterly disgusted with this company. I was admitted into the hospital on 05/28/2024 for a severe kidney infection from a UTI which traveled to my blood, with me becoming septic. I contacted Lincoln to advise them and requested leave/short term disability. I am struggling still with some complications from the hospitalization and kidney infection and requested an extension for the short term disability. I had to go through hoop after hoop and multiple doctors appointments to get notes and records as to what is going on and why I need the extension. Lincoln advised I would hear about the short term disability claim by 06/27. I didnt hear anything so I called and they advised it was declined because their clinical team who has never seen me or examined me because they did not think the evidence supported the claim.How they would know better then a team of hospital doctors or my primary care physician is wild. Its now two pay checks Ive missed and late bills. Not only that but my peace of mind and mental state struggling/ shattered thinking I could recover in peace and could not. This process is not ethical or fair.

  Business response

  07/03/2024

  Please be advised that privacy laws limit the amount of information that we can disclose.

  Upon receipt of your inquiry, Claims Examiner *************************** attempted to reach you by telephone to discuss your inquiry.  You may contact her at *****************************.  If you disagree with our claim determination you also have the right to request a formal appeal as explained in our claim determination letter sent to you.

  Thank you for contacting us.

• Initial Complaint

  06/19/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I am surprised by the incompetency of Lincoln Financial,people trust them with their money and they are reckless. I paid a loan for over 5K,with clear instructions,and they mis placed my payments,entered payments wrong,this was a 3 business day job that turned to two weeks work,

  Business response

  07/05/2024

  To whom it may concern,

  Please see the attached.

  Thank you.

  Customer response

  07/05/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Fei M.

• Initial Complaint

  06/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Lincoln Financial group. Claim# ********. Since the Covid epidemic my major organs and body began to fail. As of Jan of 2024, I was hospitalized again and have not been able to return work to this day. I been suffering from CHF(chronic heart failure,) Chronic Kidney failure, Pulmonary Hypertension, Hypoxia etc, After filing and receiving benefits from my FMLAi through the state. I was instructed that I needed to file for disability benefits through my employer which was with LFG. As of May 7, my claim with LFG has been accepted/approved according to the website. Since then, I have completed everything my case manager has asked of me and yet I still have not received any benefits/payments for my disabilities! I see 3 specialists and my PCP for treatment and we have all submitted the necessary release forms, physician statements and visit notes as required yet, LFG continually come up with more excuses to put-off me receiving my benefits. They are very vague in what's needed and never respond in a timely manner so much so that my claim is near expiration. They continually lie about not having/receiving the necessary documents even though my providers have shown me copies of faxes that was sent to them months ago!! Today my case manager even had the nerve to call me and tell me that, " I see no reason why you can't return to work!" I guess they missed the part of my explained disabilities and that I have poor blood circulation! That I can't walk/exercise for long periods of time without relying on my oxygen or that I can't lift, bend over without feeling faint or near to passing out because they know better than my PROVIDERS! Now my savings is depleted and checking acct closed. My creditors or going into default and I cant even pay my med bills for the treatments that I need. NO ONE should have to go through the stress and hardships LFG puts you through. IMO, they should be shut down immediately. No wonder they have so many complaints/ lawsuits against them.

  Business response

  06/24/2024

  Please be advised that privacy laws limit what information we may disclose in our online responses.

  A supervisor reached out to ************************* today to discuss his claim inquiry. The *** claim is in approved status.

  ************************* may contact *************************** with any additional questions/concerns pertaining to his disability claim.

  Customer response

  06/25/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  06/07/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  They handle my disability through work and fmla and I have called for 3 weeks and left messages with supervisors and case workers and they are returning calls 2 - 3 week later to tell me my claim is being denied. I have reached out and no response. There out going voicemails say they are out for Memorial Day which was 2 weeks ago and I am constantly being sent to another person who I get disconnected from. I have been unable to reach a representative who is able to help or discuss my case.

  Business response

  06/10/2024

  We are unable to provide a response based on the information provided.  We find no claims for a *************************, who is listed as the customer.

  We have a Claims Supervisor named ***************************.  Please advise the complainant to provide more information to assist us in locating the claim in question.

  Sincerely,
  
  ***********************
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

   

• Initial Complaint

  06/04/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  In Aug/Sept 2022 I became disable with a serious toe infection (I'm a diabetic) that prevented me from working & eventually caused me not to be able to work at all. Through my job I went on temp disability with the employers private disability co Lincoln Financial Group while I started the pursuit of permanent disability. Due to the length of time to pursue permanent disability, I had no choice but to file for early retirement SS benefits so that I would have money coming in once the temporary disability ran it's course. When I applied for retirement SS I asked if it was OK for me to collect ************** was advised that one had nothing to do with the other & I was allowed to make $21,000. each year through other means. Disability was paying me $1,500. per month which was less than the allowable $21,000. As soon as I received permanent disability I advised Lincoln that I no longer needed monies & that is when I was advised that I owed Lincoln $17,000. for overpayment?? I don't understand & I still don't understand why I owe this money & how does Lincoln expect someone on disability, who had to retire early & only received $8,000.00 retro permanent disability funds to pay back $17,000.00. Now I have to enter into a payment plan w/ Lincoln while I'm trying to regroup from the debt that my disability has caused me overall financially. Lincoln needs to better explain to people the process of this "repayment of overpayment" each time they ask for updated dr **** of your condition so that they can approve continued disability benefits - why pay monies out to people that they are going to have to pay back, just stop paying people, that's more understandable? When I called Lincoln in April, 2024 to advise them that I no longer needed to receive a disability payment, they were still trying to pay me $100. per month? - why would you continue to offer monies to people that you are going to ask for overpayment monies? Lincoln needs to do better by people.

  Business response

  06/06/2024

  Please note that privacy laws limit what information we may disclose in our online responses.

  The Group Disability Policy under which the consumer is covered does reduce his disability benefits by his receipt of other income benefits including Social Security Disability/Retirement Benefits.

  The consumer's claim resulted in an overpayment based on his receipt of retroactive Social Secuity Benefits.

  The policy allows us to recover the overpayment in accordance with the Right of Recovery provision. 

  The claim has been administered per the terms and provisions of the policy.

  A manager attempted to reach ********************* by telephone on June 5, 2024, to address his inquiry. ************** did not wish to discuss the matter at that time and said that his wife would be forwarding an inquiry.

   

   

   

  Customer response

  06/06/2024

   
  Complaint: 21800222
  
  I am rejecting this response because:  I will never agree with Lincoln Financial Group in regards to their overpayment process.  The above attached letter was sent to Lincoln Financial Group with our banking information so that payments can be made towards the unfathomable amount of overpayment monies that the Lincoln Financial Group is forcing my wife and I to pay.

  I am aware that this complaint will not alter Lincoln Financial Group's opinion of their right to collect these monies from myself and my wife but we felt that a formal compliant needed to be filed so that our information is available, via the BBB's website, to educate other people who may run the potential of an overpayment charge from the Lincoln Financial Group.

  Sincerely,

  
  *********************

  Business response

  06/06/2024

   Lincoln reached out to the consumer to address his inquiry to the BBB. The consumer elected not to speak further with the claims manager. The claim has been administered per the terms and provisions of the policy. If the consumer wishes to discuss this matter, he may contact the manager directly.

• Initial Complaint

  05/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Like many others, I have unfortunately experienced the ****** stringent policies of Lincoln Financial Group firsthand, which appear designed to deny well-deserving individuals the benefits they rightfully deserve. Despite submitting extensive documentation that clearly demonstrates my inability to perform my job duties from February 17, 2024, to April 21, 2024, they persistently find questionable reasons to deny my claims. Moreover, their actions suggest a pattern of disability retaliation, particularly because they are reluctant to disburse benefits repeatedly, even though insurance is precisely for such recurrent needs. My recent claim and subsequent appeal were both rejected, with the appeal denial shockingly asserting that "While it is reasonable for an advanced practice professional to support time away from work, it is not the same as supporting a disability claim." This implies that a medical professionals validation of my inability to work does not equate to a recognized disability, a distinction that is both unreasonable and unfair. Submitting this complaint will accomplish nothing, but it helps to show that I gave them multiple opportunities to reverse their unfair, discriminatory, and retaliatory decision.

  Business response

  05/15/2024

  We have been unable to locate the claim in question with the information provided.  We ask that ****************** provides his claim number or more specific information to help us identify the claim in question. 

  ***********************
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

  Customer response

  05/15/2024

  The claim number is 15377936. Thank you. 

  Business response

  05/17/2024

  Thank you for bringing this matter to our attention.  Due to privacy laws, Lincoln Financial cannot provide you with any policy information regarding the complaint that *************************** Lincoln filed.  Accordingly, Lincoln Financial has responded directly to ****************** regarding this matter.

  Sincerely,
  Claims Resolution Services
  Lincoln Financial Group

  Customer response

  05/17/2024

   
  Complaint: 21714520
  
  I am rejecting this response because:

  They are liars who engage in unfair, deceptive, and abusive acts and practices as well as discrimination and retaliation against protected classes. They have not responded directly to me and I will be taking legal action. Consumers beware, if you have LFG as your disability provider complain to your employers to switch to a different company or expect that when you most need these important benefits they likely will not be there and will actually exacerbate any medical and or health conditions you may have. 

  
  Sincerely,
  
  ***************************

  Business response

  05/20/2024

  We are writing in response to the follow up we received on 5/17/2024.  As previously stated, privacy laws limit the amount of information that we can provide the Better Business Bureau regarding this matter.  We acknowledge that ****************** disagrees with the prior claim determination rendered on his claim.  His claim was handling in accordance with the provisions of the policy.  Regarding his allegations that he has not been reached out to directly, that is not accurate.  Claims Manager ************************* reached out to ****************** on 5/17/2024 and discussed his claim.

  Claims Resolution Services
  Lincoln Financial Group
  

   

  Customer response

  05/20/2024

   
  Complaint: 21714520
  
  I am rejecting this response because:

  This Is a perfect example of their lies. Claims Manager ************************* reached out in regards to a letter I had sent to them, not in response to this complaint. They twist facts to support their narrative and when that doesnt work they completely fabricate. As I said before, consumer beware!

  
  Sincerely,
  
  ***************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩