(215) 531-7961

If you’ve recently had your life insurance claim denied by Lincoln National, you’re not alone. Many policyholders face challenges when it comes to securing the benefits they deserve. However, the good news is that you have the right to dispute a denied claim and seek a fair resolution.

At Life Insurance Law, we assist policyholders in navigating the complex world of life insurance claim disputes. In this guide, we’ll walk you through the steps to appeal a denied life insurance claim from Lincoln National and provide you with valuable insights on how to improve your chances of winning your case.

Understanding Denied Claims

When you purchase a life insurance policy from Lincoln National, you expect the company to fulfill its contractual obligations when a covered event, such as the death of the insured, occurs. However, claim denials can happen for various reasons, including discrepancies in the application, policy exclusions, or other issues raised by the insurance provider during the claims process.

Steps to Appeal a Denied Claim

  1. Review the denial letter: The first step is to carefully review the denial letter you received from Lincoln National. It should outline the reasons for the denial and any specific policy provisions or conditions that were cited.
  2. Gather supporting documentation: Collect all relevant documents, including the original policy, application forms, medical records, and any correspondence related to the claim. You may need this evidence to strengthen your appeal.
  3. Understand the policy provisions: Familiarize yourself with the terms and conditions of your policy to determine whether the denial is justified or if there are grounds for an appeal. Pay close attention to any exclusions or limitations that may apply.
  4. Consult with an attorney: Consider seeking legal assistance from an experienced life insurance claims attorney. They can provide valuable guidance, review your case, and help you build a strong appeal.
  5. Prepare a detailed appeal: Craft a comprehensive appeal letter that addresses each reason for denial outlined in the insurance company’s letter. Clearly and concisely explain why you believe the denial was unjustified, providing supporting evidence and legal arguments where applicable.
  6. Submit the appeal: Follow the instructions provided by Lincoln National for submitting your appeal. Be sure to meet all deadlines and retain copies of all correspondence for your records.
  7. Engage in negotiation or mediation: In some cases, the insurance company may be open to resolving the dispute through negotiation or mediation. Your attorney can help you explore these options and guide you through the process.
  8. Consider litigation as a last resort: If all attempts at resolution fail, you may need to consider filing a lawsuit against Lincoln National. Your attorney will guide you through this process and represent your interests in court.

Why Choose Life Insurance Law

At Life Insurance Law, we have a team of skilled attorneys with extensive experience in handling life insurance claim disputes. We understand the complexities of dealing with insurance companies and can provide you with the legal representation you need to effectively challenge a denied claim. Our goal is to help you recover the benefits you are entitled to under your life insurance policy.

Contact Us for a Free Consultation

If your Lincoln National life insurance claim has been denied, don’t give up. Contact us at Life Insurance Law for a free consultation. Our team of dedicated attorneys is ready to evaluate your case, answer your questions, and provide you with the guidance you need to pursue a successful appeal. Let us fight for your rights and help you obtain the benefits you deserve.

If you have questions, our firm can provide all the information in your free consultation. Call us toll-free today to seek the full life insurance benefits you deserve.

(215) 531-7961

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About Life Insurance Lawyers

Life Insurance Law, LLC is a nationwide network of attorneys who work with clients to recover denied or delayed life insurance claims.

We created this network to people get the benefits they deserve, even after their life insurance claims were denied or delayed.