It was a very unpleasant experience trying to explain my situation to Lincoln customer services representative. From March 5th, 2025 to May 28,2025, I called the customer services several times every week trying to get my Required Minimum Distribution check corrected since they deposited a wrong check into my checking account with state income tax rate of 75%. I was told to fill out the new RMD request forms 3 times stating that the forms I previously received were outdated. I called Raymond Jung, my original agent in California, and John Young, the client services Manager to Raymond Jung, answered the phone. He patiently listened to my story, and then promised to help me. Today, I received the RMD check with correct state and federal income tax deductions. John is very compassionate and helpful. His service was excellent. Lincoln is very lucky to have an employee like John. read more

This insurance is awful. Most dental offices do not accept it. Do not get it. It is a waste of money.

Astonishingly bad customer support. What can only be described as a hybrid between weaponized incompetence and intentionally being obtuse. Like talking to an LLM on a loop, only it's a real person who's knowingly and intentionally making life more difficult for you. Was re-routed through IVRs for over an hour, denied the ability to speak with a supervisor to escalate my request, transferred to several voicemails (of which no one called me back for days), and hung up on. All to ask a simple procedural question (not specific to me or my claim) that quite literally anyone in their Claims Department could have answered in under a minute. read more

I have group dental insurance through Lincoln Financial, and my experience has been extremely disappointing. I HAVE DENTAL INS / DENTAL ID# / DENTAL GROUP# - every time I call they ask for my SSN. DO NOT PROVIDE THIS! I tell them, "I have a policy number and will not provide my SSN. Why do you even need a SSN when I have a policy and group#?". They can never answer why they ask for SSN. Even CMS did away with using SSN. Plain dumb! Their customer service has been poor from the start. During calls, I repeatedly asked representatives to slow down and speak more clearly, but they continued rushing through explanations that were difficult to understand. Communication was frustrating and unhelpful, and I did not feel listened to or supported as a customer. My main issue involves two 40-year-old silver fillings that caused my teeth to crack. Lincoln initially denied coverage for crowns. After numerous phone calls, emails, and written appeals sent by USPS, the crowns were finally approved - but only the porcelain portion. Lincoln continues to deny coverage for the crown build-up, claiming it is not medically necessary. To justify the treatment, my dentist had to describe the depth and severity of the cracks multiple times, in different ways, which felt like unnecessary interrogation. The cracks were clearly visible on the X-rays, even to someone who is not a dentist. Because of this experience, I am now shopping for my own dental insurance and plan to decline Lincoln Financial coverage through my employer. I would NOT recommend this group for any services! read more

I rarely leave negative reviews, but I feel compelled to share my experience. My interactions with Lincoln Financial during my disability claim left me feeling frustrated and unsupported. Despite providing extensive medical documentation from my treating physicians and demonstrating the significant impact my chronic migraines have had on my ability to maintain full-time employment, I felt that my claim was not evaluated with the level of consideration I expected. The process was stressful, communication was disappointing, and the overall experience added unnecessary anxiety during an already difficult time in my life. I understand that insurance companies must evaluate claims carefully, but claimants also deserve to feel that their medical evidence has been reviewed fairly and that they are treated with respect throughout the process. Unfortunately, that was not my experience. I hope Lincoln Financial works to improve transparency, communication, and the way it handles individuals facing legitimate medical disabilities. read more

I had a set phone appointment to perform a testing interview. They call me on time, then put me on hold three times! She said she's waiting for her computer to load. What are you using? A Commodore 64? Really nice person, but don't put a client on hold, it's really rude. read more

For years I've had to deal with these scumbags through my employer. My first unfortunate experience was during COVID. I ended up contracting it and my employer told me to inform Lincoln and not come into work. The agent at Lincoln was friendly and told me to send in the doctor's report showing I was COVID-positive. I did, and she let me know that I could have up to a month off and if I needed longer to reach out to them. I thanked her and began to convalesce. I ended up being sick for about four weeks. Just shy of the whole month. But it felt nice knowing everything was secure and taking care of (and my wife and kids were acting like the sweetest nurses). However, when I returned to work, I found Lincoln only paid a week. When I reached out to them, they said that they would need Doctor visit notes for anything past a week. I explained I wasn't told that. The agent couldn't care less, they just insisted I needed notes. I tried to explain that I HAVE insurance and a Primary Care that I could've seen at any time while I was sick, but I was never told I needed to. And now I'm not sick anymore, what was I to do, just go there after the fact and ask them to guess how sick I was the preceding month? Again, Lincoln couldn't care less. They never paid, and my finances were crippled for a year trying to make up for a sudden month of no pay. But my latest experience takes the cake. I was at work when I suddenly began to have an internal hemorrhage and started bleeding out all over myself. I was rushed to the emergency room. I then went through a series of surgical visits, specialist visits and check-ins with my PCP over the next couple of months while these internal perforations were closed up. The whole time I'm still just seeping blood everywhere. Lincoln's response? "That's not really DISABLED though, is it? You could've just worked while you were bleeding out." I was absolutely flabbergasted. I pointed out that by either the state's definition or even Lincoln's own posted definition that it completely met the standard of disability. They still denied my claim. I retained an attorney and have been in the process of suing them. The cost of everything is probably going to be as much as I'd end up getting, but at this point it's just the principle. I'm so tired of these amoral leeches taking my pay every week and then not doing what they're paid to do. read more

Lincoln Financial Group - "lol your constant surgeries are not disabled enough, sux2bu" - Insurance Near Me - Omaha, Nebraska

I suffered a 5th stroke in the middle of May 2026 and I am still going back and forth with Lincoln case manager. I have the extension to leave a message but it hang up before leaving it. The communication is terrible. Many messages have been left after having all medical records stating I had a stroke. I continue to stay frustrated I may have another one. I keep being told the same BS to no avail. The right hand doesnt know what the left hand is doing. read more

My experience with Lincoln Financial has been incredibly frustrating. My doctors have provided the medical information and documentation requested, yet the process has still been filled with delays, repeated requests, and conflicting information from these people. Instead of focusing on recovering from surgery, I've had to spend my time making calls, following up, and trying to get clear answers. A disability claims process should provide clear communication, consistency, and compassion not create additional stress for people who are already dealing with medical issues. Lincoln needs to do much better. read more

I can't believe they are still in business. I'm on hold getting transferred to the person who is supposed to be able to help me only for them not to be available and I leave a voicemail that no one ever responds to. read more

When making an attempt to request FMLA with Lincoln financial on their website it was an absolute nightmare. It asks for a reason and only provides 5 options and one of them is "other" when you select that option it only give you "domestic violence" as an option. Has no clear option to apply for an intermittent leave. It makes you jump through hoops to where you ultimately need to get them on the phone to make a leave request. Wish my company never switched its FMLA service to Lincoln. It's almost as if they did this on purpose to make it as difficult as possible for you to obtain FMLA. read more

They are a scam company. When you need they will not help you. Stay away from them! They just keep transferring you to different representatives. Then you leave a message and nobody calls back read more

They do not care, do not communicate anything to you. Made a claim for short term disability and an accident claim on may 5th and as of today may 20th I've heard nothing from them, and every time I call it's the same BS. The review process takes 7 - 10 business days and may not get approved which is ridiculous when they received the physician authorization and statement stating that I can not work currently. They have no sense of urgency and are rude on the phone. They are messing with my money and ability to pay bills, even my doctor appointments have a copay that I can not pay due to being out of work for almost 3 weeks now. Would highly not recommend this company and avoid at all costs. read more

I would give zero stars if I could Chelsi the claims examiner refuses to answer emails and phone calls they have cut my pay into a quarter of what it is supposed be even with everything submitted they asked for I am owed back pay for at least 2 months and it's crickets! I guess it's time to get an attorney read more

My sister passed away February 3 2025. The money from her Lincoln retirement account is supposed to go to me. I have sent in all the forms that Lincoln requested. I even had to get an affidavit from the court stating the account was mine. Every time everything was completed they came up with another excuse as to why they couldn't release the money. The latest excuse is they need a signature from my sister's employer! They keep saying that they have reached out to the employer and haven't heard back from them. I spoke with my sister's employer and they haven't received anything from Lincoln. This has been going on for over a year!! Customer Service is the worst. They tell you the same thing ever time you call and I know it's a lie. read more

Nightmare of a company. Don't even think of buying an annuity from them! My wife inherited an annuity from her mother. Absolutely the worst "investment" imaginable. Just now, she's trying to cash out of it. They erected a huge number of roadblocks to keep your money. Last straw was my wife asking them firmly to wire out proceeds, but they said "something" was missing, so they refused to call my wife and get the bogus "missing" information, instead they unilaterally decided to mail a check for $75,000 so they could earn income for themselves as money sits dead for a week or more as my wife awaits the check. Don't EVER let someone trick you into buying an annuity! read more

Terrible customer service. Dragged their feet while I was trying to move money to buy a house. Horrible experience, I will NEVER work with them again. read more

Filed claim 5/14 for hospital indemnity and short term disability. Called them every day for a month to try to ask what I needed to do to get things rolling. My case manager Jamie stated I needed to call old and new insurance for explanation of benefits plus get 10+ doctors to send info to her for a year prior. I started to listen to her while very weak and sick and I made a comment about my hospital indemnity plan claim then she says oh well I don't handle that here is another number to call. So then I call and get a manager in which she states that All my claims are denied because they feel that my physical illness was brought on by my depression and they don't cover any claims due to mental illness. Jamie continued to lie and say it wasn't true. You know Jamie, could have told me this but instead she was dishonest and continued to require me to get ALL information from my doctors which was a really hard thing to do and said that my claim was not denied yet. This went on for a week calling every day being a good client trying my damnest to get all the information she requested until I received a letter from Lincoln and from Jamie saying my claim is denied because of underlying depression/ mental illness disqualification . Jamie knew for a week my claim was denied yet she put me through hell to gather information for her without saying anything to me. Because of this my family has no food, is not eating and our lights are currently out and now I need 2000 deposit to turn back on( we are in Florida btw) I really don't know how employees at Lincoln are able to sleep at night knowing what they are doing to hard working people who have paid them for services that NEVER are approved. I've gone back to work but I am being threatened with termination because I can't keep up with my very vigorous work. I just hope that they are investigated for their 1400% revenue growth in the past year and held accountable. read more

The worse company to deal with for short term disability. I do not recommend them at all. I gave them the completed forms they asked for they initially sent me 3 payments and then it stopped claiming they needed more paperwork from my doctor. Cool, submitted it and they denied sending me any more payments. This business is a joke, I will never deal with them again! They deserve a zero star rating. read more

They literally don't do their Job. The amount of times they would call me and tell me they didn't receive the forms from my provider; and I would tell them "Oh, well they sent it out 2 days ago." Them: "I've already checked, but let me just check again... Oh I see it" Like BABES YOU DIDN'T EVEN LOOK DID YOU!?! And now I have a different person working my claim, (which doesn't make sense) and they're just as annoying. THEY NEVER ANSWER THE DAMN PHONE?! I swear they're going to cause me to lose my job, just because the forms aren't "clear" enough. read more

Horrible company! They decided after 2 years that my husband wasn't permanently disabled, so refused to pay. When he finally got his disability approved, Lincoln couldn't wait to sweep in and grab 1/3 of his back pay. Didn't want to give us a breakdown of their calculations because "it overwhelms people." Blamed the company they use to collect the money for the amount. read more

Keep asking for the same forms over and over again while the completed forms are right there to see on webpage. Just another insurance doing all they can to not pay. I believe its time to retain an attorney. read more

i retired from a county job in which i had lincoln life insurance. I was allowed to port it over -it was successfully ported. My first quarterly premium was supposed to be electronically deducted on 8/29/2023. In the middle of September i get noticed that i hadnt paid my premium and had until the end of the month to pay it or lose my coverage. They gave me info on their Lincoln portal. I successfully paid my quarterly premium on this portal from 9/2023 through May 2025. In May 2025, i attempted to get on the portal-no luck-called the company, and was informed that i couldnt possibly be paying online-What? They did confirm that i was paid through 5/31/2025. I explained that i had proof but they were very argumentative that i shouldnt have been able to pay on the portal. So I had to send a check to their Philadelphia po box. I sent it certified so i had proof of their receipt. I also had to complete a new automatic premium payment form so they could take the payment from my bank account. I emailed this to the Omaha Nebraska office. I called and confirmed that they received the form on 6/8/2025. while on the phone, the worker indicated that i had a conversion policy that i could keep until age 121 as long as i paid my premiums. On the auto payment form i checked i wanted payments deducted on the 15th of the month as it gave two choices 15th or 1st. As the bill is due by the first, i wanted the 15th. So on 8/15/25, i check my bank account-no deduction-waited a few days-still no deduction. After numerous phone calls with people at lincoln that had lacking language skills, i finally spoke with a woman who informed me that they dont take deductions on the 15th-it has to be the 1st. but the form gave me a choice. So on 9/1/25, i checked again, still no deduction. More phone calls to Lincoln-found out that i do not have a conversion policy-it is a ported policy that ends when i turn 67. Again, what? I had been told something completely different. Mind you, this company never sent me a policy or any type of info between the date retired inMay 2023 to August2025-My fault but i thought i had all the info i needed. Even my former employer did not give me anything that detailed my coverage. So now I know that i will lose this coverage in18 months. okay. So now on 9/8, i sent another check with bill to their Philadelphia office, and as of today, 9/18, they are not finding my payment. I did not send this one certified so here we go again. During my last phone call, i was advised that it takes two time periods Or 6 months for the electronic funds withdrawal to take place. I just cannot believe how inefficient, and how crappy this company is. Also to add insult to injury, they didnt add in one of my husbands policy premiums on the last bill-so they are trying to figure out why as my husband keeps his policy until i turn 67. Ugh!!!!!!! I have done some primal scream therapy to keep my sanity. I intend to contact the NYS Insurance Board to file a complaint. Thank you for listening to my rant. I wouldnt evengive them one star if it was an option. read more

If it were possible to give negative stars, this company would deserve them. I am truly of the opinion that there is systematic planned fraud in this company. I have been on short term disability since December '25 for rotator cuff repair surgery and Lincoln was advised my recovery would take 16 to 20 weeks. I have two policies (unfortunately) with this company, one through my employer and one through my Union. I am now nearing the end of my recovery and have not been paid on time once since I have been off on either of the policies. Their excuse has been not getting timely reports on my progress from the doctors, even in the first month of my recovery. Like I'm ready to return to work one month after rotation cuff surgery! They do pay, eventually, in a lump sum. But going 5-8 weeks or longer without a paycheck is tough. And it isn't just me. All the short term disability recipients at our company have had the same issue. I would blame it on poor case managers, but my policies were handled by different managers, which coupled with the fact that other recipients are experiencing the same issue, leads me to believe this is policy. If you are a manager in a company or union looking for company to handle short-term disability, stay away from Lincoln Financial. And from the reviews I have read about their other services, I would stay away from them as well. read more

Horrible customer service representatives. Smug and unprofessional! Some of their policies are so moronic it's crazy! I would recommend going to any other company but these people! read more

Had shoulder surgery. Then Haven't been paid in over 6+ weeks. Can't get a clear answer on the phone. They are literally starving me out.

I give them 0 stars out of 5. They have no problem taking your money for your retirement account, but when you want your own money back, the could care less. Its been 4 months and still gotten nothing. Nobody is American that answers phones. Precious few can speak understandable english. And unless you are a person of color, you don't matter **** to them. read more

My mom passed away 15 months ago after holding an annuity account with LFG for many years. 14 months ago I started the process of closing the account and getting the money sent to the estate. I am the executor. I have sent her death certificate, copy of her will, Letters Testamentary from the court, and other documents. They ghosted me. A few months later I sent all the documents again. Nothing. No communication. The call center is useless. Two weeks ago I contacted them again and received an email (do no reply to this email because it is not a monitored address) with the news that my claim could not be processed because it was out of date. This is after they sat on the application and paperwork for 14 months. Do NOT entrust your money to this company. read more

I've been on maternity leave, I gave birth via c section on the 13th of September. According to Lincoln financial there's no medical reason for me to extended on my leave. I'm not even cleared by my Dr until November. I've also been told by claim WOULD be extended however after being told this I can't seem to get an answer on the phone/email. My case manager speaks to me like I'm stupid. I've been literally fighting this company since I even found out I was pregnant in January. They're honestly the worst. read more

Zero star. LFG is one of the worst company you could deal with. They will do everything to try and not pay you. I had a hemorrhagic stroke in my brain's right thalamus region on 05/16/2025 which left my entire left side weak and numb. My daughter helped me file short term disability with my employer on 05/19/2025. I was with this employer for more than six years and paying my share to LFG every paycheck. Less than two months later on 07/10/2025, my case was closed and denied which I wasn't notified until 08/07/2025. They just made up the 07/10/2025 date without reviewing my doctors evaluations and treatment plan. They didn't care that I was recovering, had a MRI scheduled on 07/13/2025 and was waiting for the neurologist and sleep therapist regarding my recovery. I still have another appointment with my primary in September. Even the neurologist stated that my condition was "chronic", meaning it will take three or more months to recover. Tried to call LFG but always goes to voice mail. Even if you leave a voice mail, LFG take a few days before your calls are returned or only leave you an email. LFG request more paperwork on 07/22/2025 from my providers after they already made the decision to deny and close my case on 07/10/2025. LFG stated that they must receive this updated paperwork by 09/04/2025. What was the point of this nonsense?? My primary doctor filled out the paperwork on 07/25/2025 and I sent it to them on 07/27/2025. Apparently, the case managers don't have access to the email system where you send your paperwork. It wouldn't surprise me if this goes to their spam email box. Now, it's going through the appeal process and who knows when that would be approved or denied. Most likely it has already been denied and you just don't know. If you have a choice, stay away from LFG and take your business somewhere else. read more

Lincoln Financial Group - Insurance Near Me - Omaha, Nebraska

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Horrible place to deal with. My mom passed away and my brother and I wanted the lump sum. They had talked us into waiting until July. They rent out a area in part of the bank. I gave the guy the death certificate and emailed because they said they didnt get it. Now, other issues saying something is cut off. Its not their money. read more

I'm going to continue complaining to my employer about this terrible company until they switch to a different provider for disability. Even though I began my maternity leave process 5 months ahead of time, I was given zero guidance and ended up having to do duplicate application steps days after giving birth--going back to my doctors office for paperwork and emailing and calling my case manager so many times until I had to complain to my own HR for their lack of response--turns out she was on leave but doesn't know how to set up an out of office message apparently. Weeks later and I still have not received any complete payments, and Lincoln continues to be difficult and unclear with every step of the process. I would literally avoid having another child if I am still employed somewhere that uses this pathetic excuse of a company. read more

I was diagnosed with kidney cancer, had surgery 2 weeks later. I have their insurance for short term disability through my employer. I set up everything I need to prior to my surgery date. Paperwork after paperwork, going back and forth with Lincoln and my doctors because my doctor was not receiving the fax they claim to have been sent. It's been 6 weeks and I still haven't gotten any payment yet. Instead of them sending over all the paperwork that's needed, they did it piece by piece. BS, thank god for my savings cause I would be homeless. This is not a good business and would not recommend them to anyone. Meanwhile it took Allstate insurance 3 business days to do everything. read more

I don't even want to give this company 1 star. My 2nd time on "maternity leave". Aka short term disability / bonding leave. NO ONE has called me like they stated. I have called and left voicemails and have not been returned. There is NO EMAIL ?! How do the case managers not have emaiL you can easily communicate with them. My doctors office sent over my documents a month ago and no one from Lincoln will confirm for me if they received them! Also, I have to callll when I go into labor!!! And when my short term disability is up I have to call to change it to family bonding. Exactly what a mom with a new born & toddler wants to be doing. Especially after pushing a baby out or getting a C-section. Like they can't make it any harder or more complicated? I swear this company gets away with just being awful. read more

If you are planning for your future financially, DO NOT USE Lincoln Financial. If you have a say on your retirement funds through work, DO NOT USE Lincoln Financial. If you are thinking about long-term care insurance, DO NOT USE Lincoln Financial. DO NOT USE Lincoln Financial. My father passed away in March 2024. I started the estate process (as his executor) in May 2024. In June, I was asked for my father's divorce decree, which I don't have, but my mother passed away **ten years ago** so I offered her death certificate instead. After many calls, this was finally approved. I have been calling since June, filling out forms, getting repeat answers from the call center, trying to submit everything so I can disburse his estate. EVERY TIME I submit a form, I am asked for the divorce decree (see above). EVERY TIME I submit a form, I'm told it's the incorrect form (though they provided it), or that the rollover is in process (it's not), or that I'm missing my father's death certificate (I've sent it numerous times). Their process is horrific. I have yet to get the claim approved. I filed a complaint through their email address in November, and have yet to receive a call back from an actual person who can actually get things done. There is no way to access the claims department directly: "they don't talk to customers." The customer service team does not know how to resolve anything. I now reserve an hour every morning to call the customer service line to try to get through this. Basically, do not entrust your funds to Lincoln Financial. It would be better to stick it in your mattress than hope that your executor can disburse successfully. read more

it has been several weeks since trying to access a LOAN of, ummmm I'm sorry, my own money!!!! At first it was we need a different form, we didn't get the fax, fax it again. BS, I got the confirmation. then it was "we sent and email for you to call and confirm. " what the hell? I filled out an application and everything before I even sent on the book of pages ar least twice. I called to and she said last she heard they'd sent an email. "ok, I'll put it thought. will you? because it still says pending and it the next day 6:00 at night. I called before 10 am yesterday, also the day before that, and the day before that this is ridiculous. it's though my workplace, I would never VOLUNTARILY put my money here with Lincoln Financial. They all obciously hate their job too. I've yet to meet one sympathetic sounding voice. they act like youre bothering them, prob from playing on their phones. its ridiculous, especially when your talking about a loan for MY OWN MONEY, which is my money and I'm paying it back. (Loan) read more

Worst customer service I've ever experienced. Trying to process short term disability. Poor communications, missing information, lack of return phone calls. Hesitant to follow up with physicians, requesting information from mental heath that cannot be provided, asking primary care physician for a psychiatric opinion - really bizarre stuff. Asking for stuff they are not going to get just to postpone your claim. Essentially they want you to give up. They don't want to pay so beware and don't buy extra SDT premiums and beware if your company is using them - Lincoln is horrible - HORRIBLE!!! Called my HR and filed a case against them, I do not understand how they are even in business. read more

I have this insurance through my job, on on my job I have not made any changes at all and as of my most recent pay stub 2 weeks ago Lincoln was still coming out of my check for dental insurance. I called Lincoln last week as I have a broken tooth I need fixed, I was given all my insurance information; what was covered and how much I would have to pay out of pocket. I was able to go to the dentist yesterday without issue, it showed me as active, I was able to go into my account and pull my card up. I am scheduled for a root canal and crown (I am paying like 1000$ out of pocket for with insurance coverage) Wednesday (2 days after my visit) but today, the day before they tell the dentist I was inactive as of April.... They have no way to explain why I was able to pull my card YESTERDAY or why I was able to call last week and get detail on my coverage. The woman I spoke to was nice, but she transferred me to a man that was very very rude and was no help, I asked if I can speak with a supervisor and was told I would have to wait 48 hours.... Are they just not willing to cover my root canal? If so, I want my money returned to my employer so they can refund me and I can use that to pay for my appointment. I never posted a yelp in my life until now read more

Terrible website and terrible customer support. I haven't had a single good experience trying to work with Lincoln and would not recommend it to anyone. read more

It's been a terrible experience so far. They are slow to process documents, falsely claim insufficient documents, and falsely claim medical procedures were not conducted. They are absolutely not interested in assisting the claimant. It's so sad when you pay into the coverage and then deny benefits. A total ripoff. read more