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 I was told to fill out the new RMD request forms 3 times stating that the forms I previously received were outdated.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

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

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

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

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

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

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

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

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

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

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

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 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

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

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

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.

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

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

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

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

I'm dealing with the same thing having the doctors office to fax paperwork and saying they didn't receive it or it hasn't been attached yet. Requested a supervisor never called referred me back to Christine. Never cared enough to call me. This is so stressful and frustrating to be told you are not going to be paid is so disappointing. There is no compassion and it's is not right how they treat you. You are at their mercy. Constantly on the phone with doctor and therapist. Is it worth taking a leave. NO I'm trying to go back to work even though my leave time isn't up yet. I can't afford not to get paid another full 80 hour check. God help. No one is accountable. read more

There is a reason why if you asked 10 people if they have ever heard of Lincoln Financial they would all say NO. If you asked 10 people who have dental coverage with Lincoln if they would recommend them, the answer would be a resounding NO as well. I've had several dental plans over my 30 year career and this one is by far the ABSOLUTE WORSE. They misrepresent their coverage and don't want to pay a single dime. Such a terrible 3rd rate company. They do the minimum to stay in business, but if you are looking for an honest human-centered company, steer clear of Lincoln Financial. The "financial" in their name represents their main business interest which is to make money. read more

losing my Husband was the hardest part of last year while the documentation processes and hurdles I've had to jump through to claim the insurance was easily the second hardest, without RECOVU24 getting involved to sort the situation I would have kept spiraling out. Their non interest in assisting claimants is appalling read more

Lincoln national has been a true nightmare when trying to receive my husband's and my RMD distributions. The company has outsourced to South Africa where the individuals read from a script, but can never assist you, yet pass you on to someone else who starts the process from the script all over again and again. Last year it took over two months to get this sent and then they sent one amount twice! Yes, I had to pay even more taxes! Trying to find anyone who can actually help doesn't work due to all the red tape, script reading, outsourcing. This company is a mess and they have so much of our money. What LN is doing to its customers is a complete disservice and it seems like nothing gets done even with hours of time is being wasted! I have tried to contact their headquarters, but that has been totally unsuccessful at best. Just reading what others have been going through is heart wrenching due to illnesses. Furthermore, I have presonally removed one of my funds and plan on doing the same with all of them! LN, you should be ashamed of yourself because you know the issues, but have refused to correct those....Zero stars would be more appropriate! read more

I have a universal life policy which is basically like a whole life policy. Dealing with LFG is an exercise is aggravation. They can not seem to differentiate between policy payments and loan payments and consistently apply loan payments to the premium even though the policy premiums are current. For a major financial company operating in 2025 to be incapable of simple bookkeeping is outrageous ! Customer service is not much better. I would NEVER do business with them again. read more

Disappointing Coverage and Service I'm extremely disappointed with Lincoln Dental and their unwillingness to cover my cracked front teeth. Despite having been a loyal customer for 3 years, they're refusing to take responsibility for my dental care. I've been to multiple Dentist and all of them said the same, they need to be replaced with a crown and to be very careful because they were on the verge of breaking. Always to be denied by Lincoln saying it was cosmetic. The claims process has been lengthy and frustrating, with constant delays and unhelpful customer service representatives. It's clear that they're more focused on profits than patient care. I urge others to carefully consider their options before choosing Lincoln Dental Connect for their dental insurance needs. I'll be exploring alternative options that prioritize their customers' well-being. read more

Been back and forth since July 2024 still have not received payment and then requested a new case worker the week of thanksgiving . To have her call me on dec 2nd to be told that she will move as quick as possible with the claim to dead silence called today to be told sending me paperwork to esign and my doctor now I'm facing eviction and could be leaving on the street I have no money no food but they don't care at all a waste of my money to be taken out my check to keep getting run around about my MONEY read more

0 Stars if it were up to me! This company is terrible. Which makes be believe the company I work for is just as terrible for giving us LFG as our only option for STD amongst other things. I'm 8 months pregnant and have been on bed rest sinice the first week in June. Since then I have been given nothing but the run around about receiving my funds. I've spoken to my case worker once on her own behalf. All the other times it's me demanding to be transferred to her personally. Only to hear the same thing I've been hearing for the last almost 2 months. Pending, pending, pending. I'm 2 days away from being evicted and my car being repossessed And these people could care less. But when I was working they got their money every week out of my check! During this time the only thing I should be worried about is the health of my child not all this. We pay these people to take care of us during hard times. They have all the information they need and I still sit here stressed and worried about what I'll do. Where I'll live and how I'll get around. I'll leave a bad review everyday if I have to. And I'll beg and beg my employer to find another company to do business with. Turns out quite a few of my coworkers have had the same case worker as myself. One Lea R of Omaha, NE. With the same complaints as myself. Sure wish I could get paid to do nothing!! read more

Can't understand how a company like this stays in business. Customer service is a joke. I submitted a death benefit claim and sent in what they asked for and then, days later, they will send me an email saying they need some other piece of information. This has happened twice now. If I'm the beneficiary of the funds, I don't know why they would need to do anything other than verify my identity! I'm extremely frustrated. When I ask to speak to someone else, they give me some BS about how they don't pass calls along to managers. I get the feeling like others have said that this is their MO: keep giving people the run around until they give up and go away. read more