United Regional Healthcare Coordinator with Arthritis Wins Lincoln Financial Appeal

Lincoln Financial denied long term disability benefits for a Patient Care Coordinator at United Regional Hospital after paying her claim for 24 months, suggesting she could perform other sedentary jobs when she had already proven she could not do her own sedentary job. Our disability insurance lawyers got the denial reversed. Attorneys Gregory Dell and Rachel Alters discuss this case. Our client worked as a Patient Care Coordinator at United Regional Hospital Care, a sedentary position that Lincoln Financial had acknowledged she could not perform for two full years. She suffered from severe osteoarthritis in both knees requiring double knee replacement surgery, osteoarthritis of the shoulder requiring surgery, degenerative disc disease, chronic pain, and depression and anxiety resulting from her physical conditions. She was also taking significant pain medication that caused side effects affecting her ability to function reliably. Social Security approved her disability claim. When the policy definition changed from own occupation to any gainful occupation at 24 months, Lincoln denied continued benefits, claiming she could now perform alternative sedentary jobs such as records reviewer or manager in her field. The contradiction in Lincoln's denial was immediately apparent: if she could not perform her own sedentary job for two years, how could she suddenly perform a different sedentary job with the same or similar physical demands? Lincoln based this conclusion on peer review doctors who never examined her and never sent her for a Functional Capacity Evaluation or Independent Medical Examination. Her treating physicians, who had been documenting her inability to work for years, were unanimously opposed to the denial. If your disability claim was denied at the change of definition by suggesting sedentary alternatives to a sedentary job you already proved you could not do, this case shows how experienced long term disability lawyers expose that contradiction. Our attorneys sent our client for a Functional Capacity Evaluation that definitively showed she could not perform sedentary work. We retained a vocational expert who refuted Lincoln's suggested alternative occupations given our client's medical restrictions, education, and experience. We worked with her treating physicians to prepare custom Attending Physician Statements incorporating the FCE and vocational findings, and each doctor provided detailed responses explaining why our client could not sustain full time employment in any capacity. Lincoln reversed its denial, paid all back benefits, and our client continues to receive monthly payments. Our attorneys continue to manage this claim. 00:00 Case Overview: Lincoln Financial Claim 00:34 Claimant's Medical Background 01:27 Definition Change at 24 Months 02:28 Challenging Lincoln's Denial 03:37 Building the Appeal with FCE and Vocational Expert 04:38 Doctor vs. Insurance Expert Battle 05:36 Drafting Attending Physician Statements 06:29 Appeal Victory and Ongoing Support #DisabilityInsuranceDenial #DisabilityAppeal #LongTermDisability #DisabilityInsuranceLawyer #LincolnFinancial For an immediate free consultation with one of our nationwide disability insurance lawyers please call 800-435-2085 or email https://www.longtermdisabilitylawyer..... We do not charge any fees or costs unless we are able to recover benefits. No office visit is necessary.