Complaint Review: lincoln financial group

my wife filed a short term disability claim. the total claim would pay out less than 2k.  it took them over 2 months to process it and i was forced to do a lot of their job myself. the only reason they agreed to finally pay it is because i called the CEO's number which was not easy to find. for those needing it, its Dennis Glass at 484-583-1479.  i go his assistent and she was shocked that i could even get it and wondered how i did. its too complicated to explain. i am attaching an email i sent to them this afternoon that explains all the hell i went thru....i sent the first email at 8am and by noon when i got hold of the CEO's office i hadn't gotten 1 phone call from any of the 7 people i sent the email too. they were just ignoring me.   then 2 hours after talking to ceo's assistant, i got a call saying they would pay the claim. below is the last email i sent them today.

i guess some of you want me to thank you for doing the right thing and paying my wife's claim.  that is not going to happen. i know the only reason you are paying the claim is because i did an internet search and got hold of your company president, Dennis Glass.  i won't go into detail as to how i did it because i think you might try to block your next victim.  don't worry though. most people wouldn't know how to do what i did. and that is part of the problem.  most wouldn't or couldn't do it.  but either way i am not thanking you for doing you jobs badly.

 i think maybe you people need to know what its like on the other side of that phone.  i spent 3 hours yesterday and today just to get you to do YOUR job.  your system is such that an insured has a hard time getting thru, so when you don't do your job it causes people stress. my wife's claim isn't even that much money but to us right now it is. what you don't know or even care about is how your arrogant "don't give a crap" attitude affects the customer. you remember customers don't you??? we're the reason you even have a job.

when my wife went down, she was bringing in over 300/wk plus paying the 95/wk for the medical benefits. so that is not a loss of 300 but over 400/wk because now i have to write a 95.00 check every week just to keep my family insured, and btw we have 2 kids. i work as a mortgage broker and get straight commission and even though i make 6 figures its not as regular as i would like it sometimes. also, after my wife went down i  had the 2nd worst month of my 10+ year career.  also with time off work to care for her and 2 kids getting back to school and one starting college.....well needless to say i was glad when July was over.

 in the  30 days after my wife went down she was in the hospital for 27 of those.  she probably won't go back to work til sometime in October. my wife's weekly check made life easier for me as i could concentrate on my job and not worry about when the next check was coming in. again it may not have been a lot but since she's been down its a loss of over 400/wk that we normally don't have and its been going on now for over 2 months.

 i never had to worry about the little things like could my daughter go buy new clothes for school, or could i pay for her cheerleading pix.  even though my son has scholarships yesterday i had to pay out over 800.00 til the scholarship money came in or he couldn't go to class.  then add to that yesterday my tenant in my rental house calls and tells me the AC is down. thank god that only ran 100.00.  all this and i still have to pay another 300 to keep my medical benefits at HT Hackney because my wife is not well enough to go back to work.  i've tapped a lot of my savings over the last 2 months and things are now getting tight. and there is more but i won't bore you with because i really think you people just don't give a d**n.

so all that going down this week and then your phone are down monday. then everytime i call you i'm on hold over 20 minutes and can't get hold of anyone. Monica tells me she's faxed over the  request to 3 doctors but NONE of them  have ever recieved anything. then Monica tells me she will "re-fax" and that i am to call them to make sure they got it.  lets review that.....I AM SUPPOSE TO DO THIS INCOMPETENT IDIOTS JOB BECAUSE SHE CAN'T USE A PHONE!!!!! guess what monica. i have a job and the only reason i could do what i did the last 3 days is because i am on the computer most the day as part of my job. what would a normal person do???? that is why you get away with your incompetence.  unfortunatly for you i was the wrong guy to mess with.  

then i try to get hold of mike steere, david maciejewski, carla fritz, lee smith, chris amborg, michael fossenbger, and monica lang as well as a handful of others.  lee smith calls me back after 4pm and acted like a total a*s. like i'm suppose to be grateful that he returned a phone call and then he lectures me about calling monica a "s***k". sorry monica but that is the nicest name i could think of. i have so many other pet names for you. however, after 4pm there isn't much left to do as most doctors are gone for the day. and btw....why doesn't anyone seem to know the chain of command and who their supervisors are??? i'm still not sure who works for who but i know you are all under Dennis Glass.

then lee smith tells me he has what he needs from 2 of the 3 doctors and with what he has he thinks Luz's claim will be denied. At that point i was ready to lose it. needless to say, i didn't sleep well last nite.  this morning at around 8am i sent an email to most of you on this list and then went about tracking down Dennis Glass.  when i got to his office his assistant who's name escapes me now as i can't find where i wrote it told me she would get someone on this after hearing of my frustrating story. i would like to thank her as it appears it was her boot that got you idiots off your asses.  however, by the time i spoke to her it had been over 4 hours since i sent you that email and guess what??? NOT ONE PHONE CALL!!!  you do know how to use a phone don't you???

then finally jo gregory calls me with lee smith on speaker phone and proceeds to tell me that they are going to pay the claim and i will have a check for about 1100.00 next week. i can hear in her voice that she expects me to all the sudden jump up and thank her for her intervention and expertise in solving this problem.  not once did i hear jo or lee say monica dropped the ball and will be disciplined. not once did i hear why carla, david, michael, monica, mike, chris, or lee hadn't called me til AFTER i got hold of Dennis Glass' office.  i guess the reason is that you had no intention of doing anything but ignoring me. making me sweat all weekend about  how i was going to float my bills til money came in.  

in conclusion, i hope you all are sweating this weekend worrying about your jobs and what kind of discipline you will be recieving tuesday morning.  i hope you feel the stress and worry i felt.  i take your incompetence as a personal attack on my family.  i hope you all rupture your colons and end up in the hospital so you can feel as helpless as my wife does.  you tried to put me over a barrel and made me feel powerless because you have all the money in the world.  there is a special place in hell for idiots like you and i hope you all get there.  i'm sure you feel my anger in this letter but you have no idea of how angry i am.  i promise you this. you have bought Lincoln Financial thousands of dollars worth of bad press and this story will make it to the internet along with the method i used to get your attention. so you idiots better start doing your jobs because this could happen again and the next guy will have an easier time getting at you.  i don't think your superiors will tolerate another screw up like this. so try to enjoy your weekend as you look forward to tuesday's meetings.

ROY C



one of the reason's they finally responded was i threatened legal action. for 200.00 i could sue them for up to 25k here in TN.  with this being consumer protection fraud i would also be entitled to triple damages so it would go to around 6k.  even if they were to beat me in court i would have subpoenaed at least 6 of these assholes. that means on top of hiring local counsel for at least 300/hour they would have to fly down 6 other people just to kick my a*s.  Lincoln Financial only responds to threats. they don't even know how to use a phone.