EOI on Lincoln financial

Question

Long story short, I went on a medical leave for a few weeks and used up my sick time instead of basic disability.

When benefits enrollment came around, I really didn’t realize that I signed up for STD and LTD upon hire years ago and it didn’t show up on my benefits because payments from my income had been on pause since I was on medical leave.

When enrolling in benefits, I didn’t realize that work did not reinstate my benefits so it showed that I wasn’t signed up for STD or LTD. I had submitted the evidence of insurability to lincoln financial to sign up for short term disability as I am planning to have a family this year and I wanted to maximize coverage.

Of course Lincoln financial denied the evidence of insurability for STD. But since I had been paying for short-term disability coverage since hire, I didn’t need to submit it after all

Work says I am covered for STD and LYD. However, it is showing up on my portal has denied and I am concerned about the future claims being denied because of this mixup. I’m not sure what to do from here.

Posted Dec 3, 2025, 1:48 AM UTC

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