LINCOLN FINANCIAL GROUP

My wife has been in the hospital for 17 days and I filed a critical claim and they straight out denied it saying it isn’t a critical condition. I don’t know about y’all, but necrotizing fasciitis to me is a critical illness, and should be covered by all insurances, and it’s sad that AFLAC covers it under their cancer policy. I will be making a change my employer offers this insurance policy through a 3rd party Lincoln Financial will not cover you unless you’re dying or you have something that’s for sure gonna kill you. Stay clear of this insurance company. They do not want to pay out all they want is your money and tell you that they don’t cover what you think is critical illness.

No pay for short term disability, repeated harassment by phone fail to send any denial or reason, not one penny paid for a recent short term disability claim. Fictitious claim it was preexisting even though it was not. Naming doctors I have have never been attended by, lies and more lies claiming they treated me for but from years gone by and completely unrelated.
This is a sham company only interested in a profit margin and nothing else.
If you have this company discontinue your payments ASAP.

Whent on prostate cancer surgery , and submit a request for shorterm disability , I never tart requesting a short termdesability will turn to be a nightmare, they close the case without requesting the followup documentation , finally my doctor sent the document the this company and it take 3 week to reviewed those documents, this company should desapair, I hope some time every ncompany break their contract with this company

PLEASE TAKE MY WORD ON THIS. MY BROTHER COLLAPSED AND DIED AT HIS PLACE OF EMPLOYMENT, LACKS ENTERPRISES IN GRAND RAPIDS MICHIGAN. IN ADDITION TO HIS DEATH BEING SWEPT UNDER THE RUG WITH NO OSHA REPORT, AND A SUBSEQUENT NEGATIVE TOXICOLOGY REPORT ORDERED BY LACKS, LINCOLON FINANCIAL STILL HAS NOT PAID MY MOM THE PITTANCE OF A LIFE INSURANCE POLICY IN WHICH MY BROTHER PAID FOR TO LINCOLON FINANCIAL FOR 22 YEARS. HE PASSED AWAY 8 MONTHS AGO. THE AMOUNT OF THE POLICY DOES NOT EVEN COVER THE FUNERAL AND BURIAL COST HOWEVER THEY ARE REFUSING TO PAY MY MOM DESPITE US PROVIDING EVERY SHRED OF DOCUMENTATION THEY HAVE REQUESTED. I AM A VERY BUSY PHYSICIAN, I HAVE CALLED LINCOLON FINANCIAL WEEKLY, TAKING AN HOUR OF MY TIME (THEY SHOULD BE AT THE POINT OF PAYING ME FOR MY TIME NOW) OVER AND OVER TELLING ME THAT THE CASE HAS BEEN ESCALATED AND I WOULD HEAR BACK IN 48 HOURS. AS OF YET IT HAS NOT HAPPENED. THE BENIFICIANRY IS LISTED AS MY MOM WITH HER FIRST NAME, MIDDLE NAME, MADIEN NAME AND MARRIED NAME. THE SPELLING OF MY MOM'S MIDDLE NAME IS INCORRECT AND I CANNOT PROVE A NAME CHANGE IF THE MIDDLE NAME HAD A TYPO CH INSTEAD OF SH AND EE INSTEAD OF AA BECAUSE THE MIDDLE NAME IS NOT EXACTLY THE SAME BECAUSE OF A TYPO. NOW I HAVE TO HIRE AN ATTORNEY AND I AM SUING THEM FOR PAIN AND SUFFERING ON BEHALF OF MY CHRONICALLY ILL MOM WHO HAS TO BE REMINDED OF THIS EVERY TIME THE LINCOLON FINANCIAL IS CALLED AND FOR ADDITIONAL MONEY TO COVER INTEREST AND THE INFLATION RATE. THIS COMPANY IS APPALLING! NO AMOUNT OF MONEY WILL EVER EVER MAKE THIS BETTER! BEWARE OF THIS COMPANY AND ANY EMPLOYER WHO USES THEM.

I was drawing short term disability from these guys and there were always cutting off my payments because they did not do there job. I had to make the phone calls and get the added information they claimed they needed in order to get them to pay me. then they made me wait another week before doing that. they are paid to process claims and obtain what information they need I should not have to do there job for them. I recommend not doing any business with this company at any level. they don't answer the phone when u call and make it impossible to reach anyone with authority

This is the worst company ever I had surgery almost 4 weeks ago and still have not received a payment for my short term disability.I have 2 kids no one can tell me why I havent received a payment...They need to be closed down!!!!! I have 2 kids to take care of no income coming in

They are CROOKS! Requesting additional documentation to delay the process. Even with a physical injury or sickness, they will delay your claim. Enesio G. must not like her job, because she is incapable of doing a good one. Never returns calls only if asked to speak with a supervisor she magically answers. Otherwise, she never returns calls. The entire process took 2 month, only to receive a denial. I will continue with a lawyer!

Avoid this company. Got the the end of my level premium period on a 20 year term and instead of sending me notice that the rate was about to go up they just send me a bill that's five times the original. Wife almost paid it. Nobody but a fool sticks with these policies outside the level term period. You think after being a customer for 20 years they would at least send a letter saying the level term was over, after all its been 20 years. But that doesn't pay big bonuses so but no they just send the bill and hope your dumb enough to pay it. Highly unethical.

This has got to be by far the worst disability insurance company. I have been out of work for over a month and only received one payment. Have direct deposit set up and I have to call every other week to get them to fix whatever new system glitch is happening because they're "not sure why the check isn't releasing or being deposited" to my account. I am diabetic and need supplies not to mention groceries like everyone else...horrible company and customer service

This company is very unprofessional. I haven't been able to work in 3 years, they cut my benefits in November 2018 after having issues with my medical insurance even with me have surgery in March 2019 they still denied my appeal even though I have pending surgeries and still unable to work. The review board must be using google to look over peoples medical issues and forcing people to work when they are not able. I was told by Lisa *** that it didn't matter that I payed into my policy. They always have an attitude they loose paper work etc. I payed into this insurance so I would have a back up on financial issues till further notice this company has broken me down to eviction and cut off notices and no holidays. I hate I payed into this company and wouldn't recommend them to a hot dog. You guys are not us and don't know what we go through and it's unfair to keep putting pressure on the disable to work occupations that they can't .

Garbage . There's an agent Named Angelica *** out in Arizona who is terrible . She has to be one of the most evilest , slivery serpent. She feels the need to drag out my short term claim .I didn't ask to be injured . Lincoln group is garbage and so is she . She has played more games than actually helping me receive my benefits. This is only a short term disability claim . It's almost been 3 months with no pay. Honestly, how does she sleep at night ? Being such a horrible person . If someone did that to her and her family then it would be a problem . I know it's her job to not pay me - but Karma is something . She will get hers - period . Job or not . You're playing with my life and it will come back to you . Eventually it always does .

I have never applied for any life insurance policy, let alone any policy with Lincoln Financial group. This is a scam! Calling them only gets me to a voicemail box. Beware of these people, they will not get 1 dime of money from me for something that I never applied for...

No star rating for this completely unethical scam company. They take monthly LTD premium payments for years, and when you need them the most, they cut you off without EVER having a doctor examine you, and completely disregarding your treating physicians' diagnosis/opinions of your ability to work.

Lincoln Investment aka Horizon Financial Group will not stop stalking my widowed mother. John *** received SEVERAL requests to stop showing up without an appointment to my mother's home. I placed over a dozen requests to the offices near by and was told each time "they are in a meeting all day" when requesting a District or Regional Manager. My mother has now received (2) additional mailers from John *** from each of the above listed company titles seeking personal, financial information formatted as a CONFIRMATION. Not illegal, but IMMORAL when the intent is predatory aimed at the elderly or widowed population.

They are VILE. Do NOT do business with or allow any rep to come to your home.

John *** began his assault on my mother after reading my father's obituary.

Lincoln has LIED to me and acknowledged they lied but refuse to help. Before I enrolled in their dental insurance I called and talked directly to them to confirm benefits and details. I was told incorrect information. Now that I am trapped in a contract, they are refusing to pay what I was told by THEM they would pay. Their poor customer service has proven they don't care about the consumer wanting to be happy with them. I am greatly disappointed.

Worst company I have ever had to deal with. Took my money for over 30 years and then they tell me my policy will cancel in 5 years because the cost of the policy is exceeding my monthly payment plus my dividends. They would not even talk to me about changing the policy. I canceled the policy and received what was left of my dividends. Bad company to deal with if you are over 60.

I am writing this review on behalf of my father, he has his 401k with Lincoln Financial Group and he retired last year. He has been requesting systematic payments since he retired and I have been handling his account since and had no problems up to now, he requested a distribution request and wanted me as his daughter as always to handle his request for him because he doesn't understand procedures to proceed so as usual I did as my dad wanted. Now he is being told he can't get his 401k because me as his daughter can't handle it for him, I been dealing with these people for months for my dad, talk directly to them and so has my dad as they request and they still want release his 401k to him. They even request that he send them a written letter of permission to let me continue handling things, we did that and they still want release his 401k to him. We have done everything they ask and they have even spoke to him verify everything and they still want give him his money. They telling him bull that since I was the one handling his account over the phone which they saying now is fraud for all these months which no one had a problem with talking to me and proceeding to help me, sending his request of his 401k to him these pass months, he can't continue getting his 401k from them because of his daughter handling his account. This is a load of crap they giving my dad, they have giving us so many different excuses for him not to get his 401k request done. They requested for my dad to call and he has and he explain everything to them how he wants me his daughter to continue handling his account and he verify everything with them and still don't want to release his 401k to him. This is a lot of crap and it is obvious we are gonna have to get a lawyer involve because something just doesn't add up. This is my dad hard earn money he worked for for 25 years and now he can't even get it because of some bull about me his oldest daughter that have been here taking care of him for all my adult years handling things for him with no kind of problems and never had issues with these people til now. For all you hard working people out there looking to save your retirement, please look else where because having this company doing good with you one minute then to turn on you the next is not good. At first all was good but now all of a sudden it is not, all I can say all these lies and channels they taking my dad thru is gonna come to an end because I am in the process of getting my dad lawyer to get things rite and trust me my dad lawyer already talking a law suit. All this could have been avoid because all my dad ask was for a distribution request and can't get it be cause of crazy procedures that never had any issues til now. It will be resolved by my dad lawyer. Be cautious who you choose to handle your 401k.

Don't waste your money on short term disability. My company had a ten year contract with them. They are supposed to pay up to 24 weeks in a 12 month period if a doctor states you are unable to work your own occupation. They fail miserably in bad faith. They will approve you at first, but not for long, even when your doctor has faxed them endless notes stating you need to be out of work until a certain date. You can even continually go to 40 physical therapy appointments, fax all those notes, have an MRI report showing moderate tears, scar tissue build up, pain in movement, and even though they are aware of your occupation, that you need to push, pull and lift heavy objects, they still delay the decision for over a month and then deny you. You are forced back to work not fully healed and in pain due to financial obligations. They use a nurse consultant to make a decision, completely unqualified. Just make sure you have thousands of dollars in back up for your monthly bills Because you could empty out your account quickly! They find invalid reasons to deny you in bad faith. This company is completely unethical and morally corrupt, Please don't give this company a dime of your hard earned money, they could care less about you, the little people. The dollar is the main focus even when you have a valid claim. They should be fined heavily by the insurance regulator

This company is in charge of a *** (Gainesville, FL) retirement buy out option. Twice they have sent me the wrong paper work and have given me incorrect information over the phone multiple times. They appear to have hired people to read a scripted text for incoming calls and not people who are actuality knowledgeable in finance. Do not trust them with your financial future. I will be contacting the *** to see if they can offer any assistance.

Make sure you ask to read the fine print. Lincoln does not pay any benefits it the injury or sickness is Workers Comp.