O’Ryan Law Firm, on behalf of Plaintiff, William M., recently filed a federal lawsuit against Lincoln National Life Insurance Agency (“Lincoln”). Lincoln is an Indiana corporation with its main headquarters in Omaha, Nebraska. William M. was employed by Olon Industries, which made him eligible for Olon Industries’ employee benefit plan. Part of the employee benefit plan included long term disability coverage which pays 60% of an employee’s salary if an employee becomes unable to work due to sickness or injury. Lincoln National agreed to insure the long term disability benefits and provided this coverage to the Olon Industries employees.
William M. was employed by Olon Industries until he became disabled in May 2012. He became unable to work due to a severe stroke, intracerebral hemorrhage, hypertension, permanent vertigo, and partial blindness in his right eye. His treating physicians provided objective medical proof that he was unable to continue working due to these medical conditions.
Lincoln paid Plaintiff’s claim for disability benefits for 24 months, then they abruptly terminated the benefits with little notice. Plaintiff internally appealed Lincoln’s decision and in November 2016, Lincoln upheld their decision to deny Plaintiff’s long term disability benefits. William M.’s doctors never returned him to work even though he was 4 years past his stroke. As proof that he remained disabled, the Social Security Administration recently reviewed Plaintiff’s claim, and after sending him for a medical exam, concluded that he remains disabled.