LINCOLN FINANCIAL GROUP

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

I submitted a claim with Lincoln Financial on Jan 8th, my initial contact was very polite, but as process was going they just kept dragging it out for different reviews. I would call in and they would say they were waiting for paperwork I knew they already had. I spent 2 weeks in Hospital with bad staff infection and went 60 days with home infusions 3X/day. They kept hinting they thought it was a pre existing condition I had already been teated for, nonsense!!! Now, 3 months since a pay check and since first date of contact they tell me its been denied. Now I have to go thru a Petition process. I have cashed in all my vacation pay for the year to get by, who knows how long the "Petition" process takes. I bought disability insurance so I wouldnt be in this situation. Now I guess I will need to hire attorney to resolve.

Lincoln was excellent in the beginning . They made me feel very happy to have this benefit. Oh but below and behold did I see a big difference in less than a month's time. I didn't understand how after receiving two payments, and all the information they needed could result in less communication, and denial of benefits. How can your Doctor that is seeing you, and testing you determine you're unable to work , but their doctor at Lincoln states you can work. So I started to review this companies reviews, and I see I'm the only one. This is sooooo sad ! We pay to have this benefit taken out of our paycheck with no problem,but when we need what we're contributing to does not care. This is HORRIBLE. I HOPE THE BEST FOR EVERYONE THAT HAS BEEN PUSH TO THE SIDE AND HAD TO APPEAL THEIR BENEFITS OVER AND OVER SOMETIMES WE HAVE TO DO WHAT IS RIGHT !!!!1

I purchased 20 year term insurance for me & my wife in 1998. All bills came to me at my work address & were paid on-time. In 2017, I requested that the billing address change to my home address. This request was made in writing (on the bill), and through a phone call.

After 3 months, the bills were still coming to my work address. On the fourth month, a bill for my insurance was sent to my home, and a separate bill for my wife went to my work address. (Previously all bills combined for both me & my wife).

Now, 5 months after I tried change the billing address, I am still having trouble getting my bills. Last month, I didn't get my bill; this month, I have received my bill, but not my wife's.

On top of all this, my insurance premiums have gone-up!!! I thought the whole purpose of term life insurance was to have a consistent benefit with a consistent cost???

I have now called Lincoln Financial five times, and keep getting the run-around. They give me a "reference number", and say my complaint will be addressed in 8 days. After 8 days, there is no response, no resolution, and no contact. Worse, when I call back, I have to re-explain the problems -- correct billing address, and why a premium increase?

Today, I asked for a supervisor, and they said none were available. This was at 8am -- when they open for business! I asked to leave a message for a call-back, but they told me that they are open from 8-5, and I should try to call again!

Worst customer service I've seen in a long time. Why is it so hard to correct a billing address? Why don't they explain when a term life bill has increased?? Why can't a supervisor call me at THEIR convenience???

Crazy... if you value customer service, I would suggest looking somewhere else.

I work in HR for a company who used Lincoln for group life insurance coverage and voluntary coverage. They are horrible! I had to audit all employee coverage because I was starting to notice discrepancies between what we had on record and what Lincoln had. Come to find out, the company was not honoring an agreement we instated that any employee who made under $*** in salary would get group coverage for $*** instead of their annual earnings. This was not being done, and they had the audacity to claim it wasn't a thing, until they finally found the contract and fixed it. Mind you, this had been instated years before I started working there. We had a lot of back and forth over some issues with employee's voluntary coverage as well. It was a huge headache. We have since switched to a new insurance company because of this experience and are still finding issues! For example, the current company we switched to wasn't grandfathering in a spouse voluntary coverage policy our COMPANY OWNER had because Lincoln didn't have it on their census or invoice, even though I had an official letter from Lincoln approving the coverage. I faxed it over to my agent, and now we have to contact them because it appears that we were never billed for this policy, and it wasn't on their record. It's a good thing no one had to make a claim during this fiasco! He/she would have had quite the fight on their hands because of Lincoln's incompetence. My question is, how is this allowed to happen? Our company isn't even that big, so it's baffling to think there were so many issues. I will never use Lincoln for anything personal, and I will tell anyone who is willing to listen to steer clear.

Unfortunately my company uses Lincoln for disability benefits. I had a knee replacement in early December 2017. After I was approved for benefits, I had tried to apply for direct deposit online but was "ineligible". I thought at that time that it was just too early in the process for me to apply, or that it was for people on LTD. Fortunately, my first check arrived early so I thought this will be okay because I can pay my bills on time (mind you, my STD pay is $***/month less than my regular pay from work). Unfortunately, the 2nd check came 7days late. My mortgage along with other bills are scheduled ACH draws from the bank, so needless to say, those payments bounced. Every day that the check was late I called the StD rep, Brandi ***, who gave me no support.. She never suggested for me to switch to Direct Deposit. When I finally received the check, I asked her if I could sign up for direct deposit and told her that I had tried twice to sign up online and it came up that I was ineligible. She informed me that that option was "not setup". Really? in this day and age? Also, in order for you to find out when the diredt deposit goes through you have to go through a phone tree. If you call Customer Service you do NOT have the option to talk to a human being. ALSO when you sign up for their "direct deposit" it does NOT go into your bank on the day that they say it will go into the bank. THEIR "DIRECT DEPOSIT" TAKES A FEW DAYS TO BE DEPOSITED INTO YOUR BANK, ERGO IT IS NOT "DIRECT". I asked Brandi why was I not informed of this? People have bills and obligations to fulfill-how can those of us who are living on a limited financial means live? I was told that we have to "ask for information". the corporation is not user friendly-I think at least when you are approved that they should send you information of when your expected benefit check is mailed, when you should receive it, when your direct deposit will occur and when you should expect it in your account. I now have payments that have been returned "insufficient funds" and have been charged fees not only from the bank but from the mortgage company, etc. I am thoroughly disgusted with this company. I have never been treated this way-unfortunately I've had spinal surgery, other knee surgeries when I worked at other hospitals and NEVER encountered problems. This company is incompetent.

My Father death was in November 2017. I contacted Lincoln National Life Insurance on several previous occasion over the years starting in 2011 when I realized I had 2 Death Policy in my name to try to surrender it to use the money to care for my Father. I couldn't get access truly till having going to Probate hearing and became Independent Executor on 01/19/2018. I have 2 calls since this 01/19/2018 with documents giving me rights I would assume for the ability to discuss my now finding out that 2 different policies exist with my name listed on these policies. I have sent off the website change of address and surrender forms and any form that address getting this process moved along or even get ability to understand what is need. After 5 days to see if where the process is after I have faxed and called with being informed initially that 8 business days are required. With the most recent telephone call the number for days may change to process. I have be informed that action of surrender will restart and make it 16 days. I will have to start again process due that I may I may have the wrong forms. This process at present very little can be discussed with me, because it have not been determined that I am the person/beneficiary though both policies are in my name with my father's death certificate and court appointed Independent Executor letter is deemed adequate. Hour at a time with delaying tactics and misinformation with the same person with 2 different calls. This is huge company and I see the trend with other insurance products are delayed and information/documentation is mishandled. I have contacted the *** with both policies separated into 2 complaints.My Father bought both these policies many years ago in my name and one policy has me as the beneficiary and payor. Delaying is money for insurance companies.

Last year the stock market value was around 12% return. My portfolio with this company was less than 5%.On the advice of my plan administrator it would be wise to spend a few percentage points in order to get a much better managed rate.The only ones to make money were Lincoln and my so called financial advisor.It has taken 2 months for me to rollover my account to Oppenheimer,where my return last year was 19%.

I was placed on sick leave and turned out to be a long term disability. My contact person at Lincoln Financial group is Frank ***. He has been so helpful I cannot thank him enough. I have been in contact with him for a while and even though I know my long term disability is going to end at some point I am never going to forget that he was there when I needed him the most. At my most difficult time. I really truly appreciate all his help and am grateful. Of course there were moments of difficulties like trying to retrieve records or get information from my doctors but there was always plenty of time he gave me to turn in forms. My experience with Lincoln financial group has been pleasant because of Frank ***. Thank you for all your help.

I sent in all the paperwork to surrender my policy, but the time that it has taken seems very excessive. I have called three time over the course of more than a month and they still have not cut the check and don't seem to have any idea when they will. Ever time I have called in the time frame gets longer. I will never again do business with Lincoln Financial again!

Hiring*** as Assistant Vice President is the worst move Lincoln Financial Group could make. This man is responsible for employee abuse and the downfall of the call centers he was in charge of while with***. Because of his "leadership" we went from our stocks coming in at $*** to now the low at $. Until this man is gone from Lincoln Financial Group,I will no longer hold any policies with them.

make it impossible to get to your money with a hardship