Lincoln Financial Terminates LTD Benefits After Claimed Recovery
Improvement in a medical condition does not always mean a return to work capacity.
In this case, Lincoln Financial reversed its termination after the record demonstrated that persistent post-infectious neurologic sequelae prevented sustained employment. Improvement in a condition does not always equate to a return to sustained work capacity.
Guillain-Barré Syndrome and Ongoing Neurologic Symptoms
The claimant, a Finance Manager, was initially approved for Long Term disability benefits following Guillain-Barré/Miller Fisher syndrome.
After nearly two years of payment, Lincoln terminated benefits in March 2025, concluding that the claimant had made an “excellent recovery” and could return to work without limitations.
When “Recovery” Does Not Mean Ability to Work
Despite improvement from the acute phase, the claimant continued to experience symptoms that directly impacted work capacity, including:
- Symptom flare-ups with activity requiring extended recovery
- Diplopia and visual instability
- Headaches triggered by screen use
- Neuropathy and exertional weakness
These symptoms were incompatible with the demands of a finance role requiring sustained concentration and computer use.
Medical Evidence Showing Inability to Sustain Computer-Based Work
On appeal, the administrative record was developed to reflect the ongoing functional impact of these symptoms.
This included:
- Interrogatories from a neurologist and ophthalmologist
- Updated treatment records documenting persistent impairments
- Provider opinions confirming limited tolerance for screen use and activity
The evidence established:
- Inability to sustain computer use for extended periods
- Need for prolonged recovery after activity
- Requirement for several hours of rest or recumbency during a normal workday
Lincoln Reinstates LTD Benefits After Appeal
After reviewing the complete administrative record, Lincoln reversed its termination and reinstated Long Term disability benefits.
What This Case Shows About “Improvement” Denials
In disability claims, improvement in a condition does not necessarily equate to functional recovery.
The key question is whether the claimant can sustain full-time work on a consistent basis, not whether symptoms have partially resolved.
Key Takeaways: What Determines Whether a Disability Claim Is Approved or Denied
Osterhout Berger Daley represents individuals and collaborates with attorneys nationwide in ERISA appeals, administrative record development, and federal disability litigation.
If you have a case involving a Long Term disability denial, we’re here to help.