There are numerous reasons Lincoln Financial can deny a claim including insufficient medical records, missed deadlines and your medical condition is excluded
It’s easy for a claimant who is unrepresented by an attorney to make mistakes and lose their claim. An experienced LTD lawyer can increase their client’s chance of success.
Statistics show that an applicant who is represented by legal counsel is more likely to have their claim approved and that the process takes less time.
The Hartford may send an investigator to interview the claimant and may ignore medical evidence contrary to that of their own medical experts. It’s so important to have a lawyer with LTD experience.
Northwestern Mutual approves more disability claims than they deny, but the company looks for very specific information in medical records to determine disability.