Complaints

This profile includes complaints for Lincoln National Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Lincoln National Corporation

  150 N Radnor Chester Rd Radnor, PA 19087-5252

• 

  Lincoln National Corporation

  100 N Greene St Greensboro, NC 27401-2547

• 

  Lincoln Financial Group

  PO Box 21008 Greensboro, NC 27420-1008

• 

  Lincoln Financial Advisors

  9800 4th St N Ste 100 Saint Petersburg, FL 33702-2457

• 

  Lincoln Financial

  6925 Mill Pond Dr Fairfield Township, OH 45011-2519

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/08/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a medical problem that requires intermitted leave at work. I am trying to get absence dates approved. I have filled out the proper paperwork and sent it to ***************************************** Phone calls to them go unanswered or are answered a few days later. Twice now it seems the "paperwork" was not received. The latest paperwork was sent on January 30, 2023, after receiving the paperwork to be filled out by my doctor in mid-January. No communication whatsoever with my employer or me. I have no idea if this has been approved, or what the next steps are, or how to go about any of this. I am at high risk of losing my job if this does not resolve in the next couple of weeks.

  Business Response

  Date: 03/15/2023

  Upon our receipt of your inquiry, a manager attempted to call the consumer directly. A voice mail message was left. The consumer may contact *******************************, Manager, Leave Administration, at: ************. Thank you.

  Customer Answer

  Date: 03/25/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *************************
  

• Initial Complaint

  Date:03/03/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a claim with Lincoln Financial for long-term disability. Claim #**********. My case Manager is *************************. I have been leaving messages for him since January 2023. I have not received a callback during that time. I have left messages for his supervisor ********************* Ext. **** as well for the last 3 weeks also without response. I would like to know when my review which I was told would take 7-10 days from receipt of my documents will be received. I sent the final document for the second time on January 20th and verified receipt of the documents needed on January 25. I spoke to the payments/ SSI department and confirmed they have all documents needed as well. It seems that my case manager and his supervisor don't want to return my call. I am very angry as again my payments have stopped and now my family is 2 months without income from Lincoln.

  Business Response

  Date: 03/10/2023

  We are writing in response to the request received 3/9/2023.  Privacy laws limit the amount of information that we are able to provide you regarding this matter.
  
  Claims Manager, *************** contacted ************ to attempt to address her concerns.  ************ has advised she has retained an attorney and will file an Appeal.  We were advised any further communication should be done through her attorney.  We are currently awaiting a request for Appeal.
  
  Sincerely,
  
  ***********************
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group
  

• Initial Complaint

  Date:03/03/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Lincoln National Life Ins Co sent me an incorrect 1099 for my 2022 Multi-Fund Annuity. It showed 13 months of payments and Federal Income Tax withholding for the 12 month year. I have been contacting the support staff a total of seven times since 01/24/2023 to try to get this corrected but to no avail. Their staff keeps telling me that it takes up to 10 days for a correction but the correction never occurs. I have even written letters to the office for assistance but those are apparently ignored also. Here it is March 3rd and again I get the same response that the correction will take up to another 10 days. How a financial company can not multiply 12 times a monthly allocation to get the yearly total is beyond my understanding. The quarterly statements supplied to me show the correct allocations but the 1099-R does not. Very frustrated at what should be a relatively easy correction. The April tax deadline is quickly approaching and I am worried that this correction will not occur.

  Business Response

  Date: 03/10/2023

  March 10, 2023

  Dear *** *******:  
  
  I write in response to the above referenced complaint ID Lincoln received on March 9, 2023. Privacy laws limit the amount of information we can provide you regarding this matter. Accordingly, Lincoln  responded directly to ****** *****. Thank you for bringing this matter to the Lincoln’s attention.  
  

  If you have any questions or should you need any additional information regarding this matter, please  feel free to contact me.  
  

  Regards,  
  
  

• Initial Complaint

  Date:02/07/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went through the life insurance application process, providing all required medical history and completing a phone interview. Then, Lincoln denied my life insurance application based on a diagnosis that does not appear in any of my medical recoreds and was never mentioned by me. They completely made up the diagnosis, misspelled it on the denial letter, and refuse to reconsider. There is no response yet after my written follow-up about their incorrect information.

  Business Response

  Date: 02/09/2023

  February 09, 2023 
  

  Dear *** *******, 
  I am writing in response to your email dated February 08, 2023, to ****** ******** at The Lincoln National Life Insurance  Company (Lincoln Financial) regarding the above-referenced Complaint ID. Due to privacy laws, Lincoln Financial  cannot provide you with any policy information regarding the complaint that *** ******** filed. Accordingly, Lincoln  Financial will respond directly to *** ******** regarding this matter. 
  Thank you for bringing this matter to the company's attention. If you have any questions or should you need any  additional information regarding this matter, please feel free to contact me. 

  Respectfully, 
  

• Initial Complaint

  Date:02/01/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My ex-husband died in December 2021. Early in our marriage we had obtained life insurance policies from Lincoln National. We agreed, upon our divorce, to maintain each other as beneficiaries on the others policy, regardless of future relationships.We both kept to our agreement regarding the policies. Although I remarried, my ex-husband continued to be the beneficiary of my life insurance policy and I of his. My ex-husband was diagnosed with a life-limiting illness, in the mid-2000's, and cared for him, and managed all of his affairs, until the end of his life. I contacted Lincoln financial to apply for benefits in January 2022. After getting the runaround for several months, and being told multiple times that my 'claim was still being processed', I was finally told that I would not be receiving the ex-husband's life insurance as they would not distribute them to an ex-wife. The representative laughingly said that often, in a divorce, people forgot to change their beneficiaries. I tried to explain that this was not the case at all. She simply would not listen. In fact, no one would. No one would respond to my correspondence and, to date, I have never received any correspondence denying my claim for benefits. Interestingly, that didn't stop the company from contacting me - frequently - in the beginning to get me to assume my portion of the policy at a significantly higher payment. I have contacted an attorney and am deciding on what to do next. I would like a formal denial letter, stating the specific reasons for denial, from the company. Otherwise, I do not want Lincoln Financial contacting me or sending any statements or tax documents to my address on my ex-husband's behalf. Please review the uploaded document for a more in depth discussion and chronology of events.

  Business Response

  Date: 02/21/2023

  February 08, 2023  
  
  Dear *** *******, 
  I am writing in response to your email dated February 03, 2023, to ****** ******** at The Lincoln National Life Insurance  Company (Lincoln Financial) regarding the above-referenced Complaint ID. Due to privacy laws, Lincoln Financial  cannot provide you with any policy information regarding the complaint that **** ************* filed. Accordingly,  Lincoln Financial will respond directly to **** ************** regarding this matter. 

  Thank you for bringing this matter to the company's attention. If you have any questions or should you need any  additional information regarding this matter, please feel free to contact me. 
  

  Respectfully, 
  
  D. Candise Z********, AIRC, ALMI, ACS 
  

  Customer Answer

  Date: 03/05/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  

  I reluctantly accept Lincoln National's position that they are denying funds to me based on the laws of Washington State (a true example of government overreach), as I have no choice but to accept this explanation, despite the fact that I do not even live there.

  
  

  However, I am rejecting this response, in part, because:

  
  

  The part that I reject is the fact that this company allowed me to pay premiums for nearly 20 years after my divorce knowing that my ex-husband, or I, would never be able to.collect on the policy.  My ex-husband and I called Lincoln National in April 2002 to discuss our divorce and find out what, if any, action needed to be taken.  We were assured by the rep, at that time, that no further action on our parts was needed.  I paid thousands of dollars in premiums to this company on policies that my ex-husband, or I, never had a chance of collecting on.  This certainly sounds like a scam

  
  

  With regard to the response that I received from Lincoln National regarding my BBB complaint, I did not receive any correspondence from them in March 2021 explaining their reasons for denying my claim, contrary to their statement that I did.  I also stand by my comments regarding the conduct and professionalism of their personnel in my dealings with them, and the tone of the letter that I received on 2/17/23 further supports my earlier remarks.  

   

  Although I reject the response that I received, I want no further communication with Lincoln National.  I want them to remove my contact information from their system.  I am currently in the process of exploring other options for this issue. 

   

  Thank you, BBB.  Hopefully, this information will be helpful to others.

  
  Regards,
  
  *************************************
  

  Business Response

  Date: 03/15/2023

  March 15, 2023 
  
  Dear *** *******, 
  I am writing in response to your email dated March 09, 2023, to ****** ******** at The Lincoln National Life Insurance Company (Lincoln Financial) regarding the above-referenced Complaint ID. Due to privacy laws, Lincoln Financial  cannot provide you with any policy information regarding the complaint that **** ************* filed. Accordingly,  Lincoln Financial will respond directly to **** ************** regarding this matter. 
  Thank you for bringing this matter to the company's attention. If you have any questions or should you need any  additional information regarding this matter, please feel free to contact me. 
  

  Respectfully, 
  
  D. Candise Z********, AIRC, ALMI, ACS

• Initial Complaint

  Date:01/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Lincoln Financial Group has said they were going to pay me out my full account since January 10th 2023 because I am closing my account. I called January 15th 2023 and they told me it was a mix up with their bank and it would take a week. I called on the 20th and another representative said they apologize but the bank story was not true and the issue was with LFG itself. They taxed my account on accident when sending my funds when it was a **** account and already pre-taxed, so they canceled the ACH and and removed the taxes. I was told to expect a payment January 24th 2023. I did not get one. I called back on the 24th asking for a status and was told I will be paid out January 26th. I still have not received payment. I was also told my payout will be $578 dollars short due to a "mandatory IRS withholding"...I have already paid taxes on this money, so then they said my account was a variable account (I understand this) but the amount should be paid based on January 10th date, not todays date. There should be NO withholding. I called again today January 26th 2023 asking for a status on my payment and they have no status.

  Business Response

  Date: 02/21/2023

  February 21, 2023  
  
  Dear *** *******: 

  I write in response to the February 3, 2023 letter to Lincoln regarding the above-referenced complaint  ID. Privacy laws limit the amount of information we can provide you regarding this matter. Accordingly,  Lincoln responded directly to ******* *****. Thank you for bringing this matter to the Lincoln’s  attention.  
  If you have any questions or should you need any additional information regarding this matter, please  feel free to contact me.  
  Regards, 
  
  Julie T

• Initial Complaint

  Date:01/09/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been dealing with Lincoln since 11/28/2022 as of this writing i have received little communication from them regarding my claim for STD I believe only 2 phone calls from them to my 10 phone calls from me.I wouldn't even know that my original adjuster was no longer employed there if i hadn't called. i informed them that i was filing a complaint with the BBB and the Arizona insurance commision and now my website assess is now blocked restricting me from getting more information

  Business Response

  Date: 01/19/2023

  This letter is in response to your request dated 1/9/2023.  We would like to thank you for sending this complaint to us on behalf of our insured, **************************  However, privacy laws limit the amount of information that we are able to provide you regarding this matter.  Accordingly, we have responded directly to ************** regarding his concerns.

  Sincerely,

  ***********************
  Claims Resolution Consultant
  **************************
  Lincoln Financial Group

  Customer Answer

  Date: 01/23/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: ankle and foot are different you are using semantics to justify denying my claim so a complaint had been filed with the NC Dept of Insurance where the original contract was made also I will be seeking legal council to seek damages.  
  
  Regards,
  
  *************************
  

  Business Response

  Date: 02/09/2023

  We are writing in response to the follow up we received on 2/7/2023.  As previously stated, privacy laws limit the amount of information that we can provide the Better Business Bureau regarding this matter.

  We acknowledge that ************** disagrees with the denial determination rendered on his Short Term Disability claim.  His claim was handled in accordance with the provisions of the policy.  The policy affords ************** the right of appeal following a denial determination.  If he disagrees with the claim determination made, we encourage him to exercise his right to appeal.

  We have also provided a detailed response to the North Carolina Department of Insurance.

  Sincerely,
  
  ***********************
  Claims Resolution Consultant
  **************************
  Lincoln Financial Group

  Customer Answer

  Date: 02/09/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: i have retained a lawyer and will be seeking damages on top of the withheld benefit  
  
  Regards,
  
  *************************
  

  Business Response

  Date: 03/06/2023

  We are writing in response to the follow up we received on 3/3/2023.  As previously stated, privacy laws limit the amount of information that we can provide the Better Business Bureau regarding this matter.

  We again acknowledge that ************** disagrees with the claim denial determination rendered on his Short Term Disability policy.  His claim was handled in accordance with the provisions of his policy.  The policy affords ************** the right of appeal following a denial determination.  If he disagrees with the claim determination we encourage him to exercise his right to appeal.
  

  Regards,

  ***********************

  Claim Resolution Consultant

  Claim Resolution Services

  Lincoln Financial Group

• Initial Complaint

  Date:01/05/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a short term disability claim in August of 22. I still have not received anything and I can't get any response to my emails for a month. I paid the premium on time every month, but cannot get any response

  Business Response

  Date: 01/11/2023

  We are writing in response to the complaint we received from you on 1/9/2023 on behalf of ****************************  However, privacy laws limit the amount of information we are able to provide you regarding this matter.  Accordingly, we have responded directly to ******************** regarding his concerns.

  Sincerely,

  ***********************
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

• Initial Complaint

  Date:01/02/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My issue is a short term disability claim mainly related to my heart surgery but I also had the same issues with a previous claim in 2021. I provided all the requested info to process my claim in advance of my heart ablation 7-7-22 and my claims agent was horrible at responding to me and I finally got paid for 1 month of my 3 month absence 8-3-22. I was told I had to get with my doctor to send medical records for the other 2 months so I did. They kept saying they didn't receive them so I filled out another authorization for for the agent to talk directly to the doctor to get the correct forms. Never heard anything back by phone or email. I tried a few more time to contact but only could get info from the general customer service number because my agent would never answer. Since I haven't had time to follow up, I gave permission for my wife **** to contact them today & she found out they closed my claim & didn't tell me. She made some calls & found out that the hospital did send over records that Lincoln Financial paid for back on Nov 18, 2022. She called customer service back & that lady said she saw they had received the records on Nov 18 & reopened my claim. It still will supposedly take 5-7 days for the agent to look at but I feel this problem is almost 6 months old & I shouldn't have this many problems while I'm trying to recover physically from a surgery. I can provide any proof of email chain sent to my agent & his supervisor if needed. This company is horrible at their jobs & need someone to check into them. My HR lady said that many people at work have had the same issues with their claims. When someone is out with an injury or sickness, the last thing they should need to worry about is being homeless too because you can't get paid your rightful disability money in a timely manner. Mortgage companies and electric companies don't care you can't work and will evict you or cut off you power. Claim #: **********

  Business Response

  Date: 01/10/2023

  This letter is in response to your request received 1/3/2023.  We would like to thank you for sending this complaint to us on behalf of our insured, ******************  However, privacy laws limit the amount of information that we are able to provide you regarding this matter.  Accordingly, we have responded directly to ***************** regarding his concerns.

  Sincerely,

  ***********************
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

• Initial Complaint

  Date:01/02/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On November 23, 2022, I sent completed paperwork to Lincoln Financial to close out my retirement account from a previous employer. The process originally began on November 15, 2022, but I received an email stating that I needed the form certified by my previous employer, which was done and resent on November 23, 2022. I waited well over a week and never heard anything from Lincoln Financial. I called them on December 1, 2022, and I was told that the funds had been deposited to my account on November 25, 2022. After several calls, it was determined that the funds were not deposited by Lincoln Financial. I was told multiple times that I would hear back from Lincoln Financial within two business days and that never happened. In fact, the only communication that ever took place was from my calls to Lincoln Financial. Each time I was told that the matter was being escalated and I would hear back within 2 business days. After multiple contacts on my part, I was told that someone would call me back within 20 minutes. That never happened. Another distraught call got me another response saying that I would hear back within 20 minutes. This time, I did receive a return call from ******* who informed me that the error was from internal processing, the error would be fixed that day (Friday), and the funds, including interest, would be processed no later than Monday. ******* stated that he would follow up with me on Monday. That, again, never happened.I finally received the funds on December 22, 2022, without interest. More lies. They have held my funds for a month and have collected interest on my money since November 25, 2022. I know that they have the correct routing numbers as this had been verified verbally during several conversations. It seems that it should be illegal for them to hold my funds and collect interest for a month and not provide me with the interest that I was promised. I am in total disbelief at how I have been treated.

  Business Response

  Date: 01/06/2023

  January 6, 2023  

  Dear *** *******: 

  I am writing in response to the January 4, 2023 email to Lincoln regarding the above-referenced Case Number. Privacy laws limit the amount of information we can provide you regarding this matter.  Accordingly, Lincoln will respond to *** ******** regarding this matter to address her concerns.  

  Thank you for bringing this matter to the Lincoln’s attention. If you have any questions or should you need any additional information regarding this matter, please feel free to contact me.  
  

  Regards,  
  Julie T