Lincoln uses form letters or templates to communicate with you and to communicate
with its outside reviewing doctors. Lincoln’s claims personnel rely
on medical professionals to evaluate the disabling effects of pain, fatigue
and medication side effects. But the form letters or templates that it
sends to medical reviewers do not inquire about the disabling effects
of pain, fatigue and medication side effects. So Lincoln’s medical
reviewers rarely comment about the disabling effects of these conditions
because they are never asked to do so and Lincoln’s claims personnel
rarely evaluate the disabling effects of pain, fatigue, and medication
side effects because the reviewing doctors do not comment on those issues.
So if the disabling effects of pain and/or fatigue and/or medication side
effects cause or contribute to your disability status, you need to say
so in your communications with Lincoln – put it in writing –
and you need your doctor to do so, as well – in detail and in writing.
Lincoln’s claims and appeals employees will not tell you what records
to send. So send everything. If you have Social Security Disability benefits,
order a copy of your entire Social Security file and send it to Lincoln.
Make sure your doctors send complete copies of their files to Lincoln,
not just a few months of records.
The information provided above is designed to give you general insight
into how this carrier/administrator handles appeals and litigation. We
remind prospective and current claimants that disability appeals are fundamental
legal documents intended not only to reverse a denial but also strengthen
the Administrative Record prior to litigation, which is necessary if the
appeal isn’t granted. If you want to know specifically how to your
denial can be appealed and your record improved, please contact ERISA
Law Centerfor a no-cost, individualized evaluation.