Lincoln Financial Customer Service: Claims and Policy Help

Lincoln Financial customer service assists customers with life insurance policies, death claims, beneficiaries, annuities, retirement plans, disability benefits, family and medical leave, long-term care coverage, premium payments, account access, policy changes, withdrawals and complaints.

Lincoln Financial is the marketing name used by Lincoln National Corporation and its affiliated insurance and retirement companies. The correct support number depends on whether the issue involves an individual life or annuity contract, an employer-provided benefit, a workplace retirement plan or a corporate inquiry.

Lincoln Financial Customer Service Help by Issue

• General Lincoln Financial inquiry: Call the corporate help line at 1-877-275-5462.
• Individual life insurance policy: Call 1-800-487-1485 for policy service, payments, beneficiaries and account questions.
• Life insurance death claim: Call 1-800-487-1485 and select the claims option.
• Long-term care or MoneyGuard support: Call 1-800-487-1485 and select the appropriate long-term care option.
• Annuity question: Start with 1-877-275-5462 or use the product-specific number printed on the contract or statement.
• Workplace disability, leave or group insurance: Call 1-800-423-2765.
• Retirement plan: Sign in and use the telephone number assigned to the employer’s plan.
• Lincoln Director retirement account: Call 1-800-510-4015.
• My Lincoln Portal login problem: Call 1-800-431-2958.
• Lost policy or unclaimed property: Use Lincoln’s online inquiry tools or call the general help line.
• Suspected fraud: Report the activity through Lincoln’s official fraud form and secure the affected account immediately.

How to Contact Lincoln Financial

• Lincoln Financial general inquiries: 1-877-275-5462, also shown as 1-877-ASK-LINC
• Individual life insurance customer service: 1-800-487-1485
• Life insurance and annuity claims: 1-800-487-1485, select the claims option
• Long-term care support: 1-800-487-1485, select the long-term care option
• Workplace disability, leave and group benefits: 1-800-423-2765
• Lincoln Director retirement plans: 1-800-510-4015
• My Lincoln Portal technical support: 1-800-431-2958
• My Lincoln Portal support email: mylincolnportal_help@lfg.com
• Lincoln Financial customer-service center: Lincoln customer support
• File or review a claim: Lincoln Financial claims portal
• Life insurance resources: Lincoln life insurance support
• Annuity resources: Lincoln annuity support
• Retirement-plan resources: Lincoln retirement-plan support
• Report suspected fraud: Lincoln Financial fraud reporting
• Official website: LincolnFinancial.com
• Corporate office: 1-484-583-1400

Lincoln National Corporation headquarters:
150 N. Radnor-Chester Road, Suite A305
Radnor, PA 19087

The corporate telephone number is not the best starting point for a life insurance claim, retirement distribution, disability leave or policy payment. Customers should begin with the department responsible for the specific product.

Lincoln Financial Customer-Service Hours

Hours vary by department:

• Individual life, claims and long-term care: Generally Monday through Friday, 8 a.m. to 6 p.m. Eastern Time
• Workplace disability and group benefits: Monday through Thursday, 8 a.m. to 8 p.m. Eastern Time; Friday, 8 a.m. to 6 p.m. Eastern Time
• Lincoln Director retirement support: Monday through Friday, 8 a.m. to 8 p.m. Eastern Time
• My Lincoln Portal technical support: Monday through Thursday, 8 a.m. to 8 p.m. Eastern Time; Friday, 8 a.m. to 6 p.m. Eastern Time

Automated account information and online tools may remain available outside live-representative hours.

Lincoln Financial Life Insurance Customer Service

Call 1-800-487-1485 for help with an individual life insurance policy.

Policy service may assist with:

• Premium payments
• Policy values
• Beneficiary changes
• Address changes
• Ownership changes
• Loans and withdrawals
• Dividend options
• Automatic payment authorization
• Tax documents
• Policy illustrations
• Coverage reductions or rider changes
• Policy surrender

Have the policy number and policy owner’s identifying information available.

How to Make a Lincoln Life Insurance Payment

Depending on the policy, customers may be able to pay:

• Through a registered Lincoln online account
• Through Lincoln’s guest-payment center
• By automatic bank withdrawal
• By check using the address on the premium notice
• Through another payment method approved for the policy

Use the policy number exactly as printed on the billing notice.

Before submitting a late payment, ask:

• Whether the policy remains in force
• Whether it is within a grace period
• The exact amount required
• The deadline for payment
• Whether a reinstatement application is required
• Whether evidence of insurability will be needed

Life Insurance Policy Lapse or Reinstatement

A policy may lapse when the required premium or policy value is insufficient to maintain coverage.

If Lincoln sends a lapse or termination notice:

1. Contact customer service immediately.
2. Ask for the policy’s current status.
3. Confirm the grace-period deadline.
4. Request the amount needed to keep or restore coverage.
5. Ask whether health information or a reinstatement form is required.
6. Save proof of every payment and submission.

Do not assume a payment automatically reinstated coverage. Request written confirmation that the policy is active.

Changing a Lincoln Life Insurance Beneficiary

A beneficiary change generally requires Lincoln’s beneficiary-change form or an approved online process.

Before submitting the change:

• Confirm the policy number.
• Identify primary and contingent beneficiaries.
• Use complete legal names.
• Provide requested dates of birth and relationship information.
• Specify percentages that total 100 percent.
• Check whether an existing beneficiary is irrevocable.
• Review trust or estate designations with a qualified professional.

A will does not necessarily override the beneficiary designation recorded on an insurance policy.

Keep a copy of the completed form and request written confirmation that Lincoln processed the change.

Ownership Changes

Changing the policy owner is different from changing the beneficiary.

An ownership transfer can affect:

• Who controls the policy
• Who can borrow or withdraw money
• Who can change beneficiaries
• Who receives notices
• Potential tax treatment

Lincoln may require trust documents, corporate resolutions, estate documents or signatures from all current owners.

Consider obtaining legal or tax advice before transferring ownership.

How to File a Lincoln Financial Life Insurance Claim

Call 1-800-487-1485 and select the claims option, or begin through Lincoln’s claims portal.

Be prepared to provide:

• The insured person’s full legal name
• Date of birth
• Date of death
• Policy number when available
• Beneficiary’s name and contact information
• Relationship to the insured
• A certified death certificate
• Claim forms and tax information requested by Lincoln

Lincoln may need additional documentation when:

• The beneficiary is a trust or estate.
• A beneficiary died before the insured.
• The policy was recently issued.
• The death occurred outside the United States.
• The beneficiary is a minor.
• There is a dispute among possible beneficiaries.
• The policy was assigned or pledged.

Tracking a Lincoln Life Insurance Claim

Keep:

• The claim number
• The examiner’s name and contact information
• The date each document was submitted
• Delivery confirmation for mailed records
• Copies of every form
• Notes from every conversation

Ask Lincoln:

• Whether the claim package is complete
• Which documents remain outstanding
• Whether the policy is still being located or verified
• Whether another beneficiary must respond
• When the next status update should occur

Do not send an original death certificate unless Lincoln specifically requires it and you retain another certified copy.

Life Insurance Claim Delays

A claim may take longer when:

• Documents are incomplete.
• The beneficiary designation is unclear.
• The death occurred during a policy contestability period.
• The policy had an ownership or assignment issue.
• Lincoln cannot locate a beneficiary.
• The death occurred in another country.
• An investigation or legal dispute is involved.

Request a written explanation of what remains incomplete and the next action required.

Lincoln Financial Annuity Customer Service

Lincoln offers multiple fixed, indexed and variable annuity products. Support numbers can differ by contract family.

Begin with:

1-877-275-5462

or use the product-specific number printed on the annuity statement or contract.

Annuity support may assist with:

• Contract values
• Beneficiary changes
• Address changes
• Required minimum distributions
• Systematic withdrawals
• Partial withdrawals
• Contract surrender
• Income elections
• Death-benefit claims
• Tax forms
• Replacement contracts
• Account access

Withdrawing or Surrendering a Lincoln Annuity

Before requesting money, ask:

• Whether a surrender charge applies
• Whether a market-value adjustment applies
• How much can be withdrawn without a contract charge
• Whether the withdrawal affects an income or death-benefit rider
• Whether federal or state taxes will be withheld
• Whether an early-distribution tax penalty may apply
• Whether spousal consent or additional documents are required

An annuity withdrawal can create tax and contract consequences. Lincoln customer service can explain the contract, but customers may need an independent tax or financial professional for advice.

Annuity Death Claim

A beneficiary should contact Lincoln promptly and ask for:

• The claim package
• Available payout options
• Required tax forms
• Deadlines for making an election
• Whether the annuity is qualified or nonqualified
• Whether spousal continuation is available

Do not select a distribution option without understanding its tax and long-term financial effects.

Lincoln Financial Retirement Plan Support

Workplace retirement-plan telephone numbers vary by employer and plan.

The best number may appear:

• After signing in to the retirement account
• On the quarterly statement
• On an enrollment document
• On the employer’s benefits website
• In a loan or distribution form

The old number 1-800-510-4015 is associated with Lincoln Director retirement plans and should not be treated as the universal number for every Lincoln retirement account.

Retirement Plan Questions

Lincoln retirement support may help with:

• Account registration
• Contribution elections
• Investment choices
• Beneficiary designations
• Loans
• Hardship withdrawals
• Employment-termination distributions
• Rollovers
• Required minimum distributions
• Tax forms
• Plan fees
• Missing contributions

Some decisions require approval from the employer or plan administrator rather than Lincoln alone.

Retirement Plan Loan or Withdrawal

Before submitting a request, confirm:

• Whether the employer’s plan allows the transaction
• The amount available
• Required supporting documents
• Spousal-consent requirements
• Loan interest and repayment terms
• Tax withholding
• Possible penalties
• Processing and delivery method

Track the request online and save DocuSign confirmations, uploaded documents and status notifications.

Missing Retirement Contributions

Compare:

• Payroll records
• Pay-stub deductions
• Lincoln transaction history
• The employer’s contribution schedule
• Any waiting or vesting rules

Contact both the employer’s payroll or benefits department and Lincoln. Determine whether the employer sent the money and whether Lincoln credited it to the correct account.

Workplace Disability and Leave Claims

Call 1-800-423-2765 for many employer-provided benefits, including:

• Short-term disability
• Long-term disability
• Family and medical leave
• Paid family and medical leave
• Group life insurance
• Accident insurance
• Critical illness coverage
• Hospital indemnity coverage

The exact benefits available depend on the employer’s plan.

Filing a Disability Claim

Gather:

• Employer name and group number
• Employee identification information
• Last day worked
• Expected return-to-work date
• Medical provider information
• Job duties and work schedule
• Other income or benefits
• Required authorization forms

Lincoln may contact the employer and medical provider for additional information.

Disability Claim Is Pending

Ask:

• Whether all medical records were received
• Whether the employer completed its statement
• Whether another authorization is required
• Which dates are under review
• When the examiner expects to make a decision
• Whether benefits will be paid retroactively if approved

Keep copies of medical forms and confirm that the provider sent them to the correct department.

Denied Disability Claim

Request the denial in writing and review:

• The specific reason
• The policy or plan provision used
• The appeal deadline
• The records reviewed
• Any information Lincoln says was missing
• The address or portal for submitting an appeal

Employer-sponsored disability appeals can involve strict deadlines. Consider obtaining qualified legal or benefits advice when the claim is significant.

Lincoln Financial Long-Term Care and MoneyGuard Support

Call 1-800-487-1485 and select the long-term care option.

Long-term care support may help with:

• Policy questions
• Eligibility requirements
• Starting a claim
• Care-provider documentation
• Benefit amounts
• Elimination periods
• Reimbursement or indemnity benefits
• Premium notices
• Claims status

Starting a Long-Term Care Claim

Lincoln may request:

• Medical information
• A physician’s statement
• Assessment of activities of daily living
• Cognitive-impairment information
• Plan-of-care information
• Facility or caregiver records
• Bills and proof of payment
• Authorization to obtain health information

Review whether the policy has an elimination period and whether care received during that period must still be documented.

My Lincoln Portal Login and Registration Help

Call 1-800-431-2958 for technical help with My Lincoln Portal.

The support team may assist with:

• Registration
• Forgotten usernames
• Password resets
• Verification codes
• Locked accounts
• Browser or access problems
• Employer benefit claims shown in the portal

Customers can also email:

mylincolnportal_help@lfg.com

Do not send Social Security numbers, medical records, passwords or complete policy information through ordinary email.

Account Security

Use a unique password and protect the email account connected to Lincoln.

Contact Lincoln immediately if you notice:

• An unfamiliar address or bank account
• An unauthorized beneficiary change
• A withdrawal you did not request
• A claim you did not file
• A changed telephone number or email address
• Verification codes you did not request

Lost Lincoln Financial Policy

A family member may know that the deceased person had Lincoln coverage without having a policy number.

Use Lincoln’s lost-policy inquiry page or call 1-877-275-5462.

Gather:

• The insured person’s full legal name
• Previous names
• Date of birth
• Social Security number when requested securely
• Previous addresses
• Former employers
• Approximate policy date
• Financial professional or agency name

Also check:

• Bank statements for premium payments
• Tax records
• Employer benefit records
• Safe-deposit boxes
• Mail and email
• State unclaimed-property databases

Lincoln Financial Unclaimed Property

Lincoln may transfer unpaid policy proceeds, checks or account balances to a state’s unclaimed-property office when it cannot locate the owner or beneficiary.

A legitimate unclaimed-property request may require proof of:

• Identity
• Current address
• Previous address
• Ownership or beneficiary status
• Death of the insured or account owner

Verify any letter through Lincoln’s official website or telephone number before sending documents.

Do not pay an unsolicited person a large fee merely to identify property that can be searched through official state databases.

Lincoln Financial Fraud and Impersonation Scams

Scammers may impersonate Lincoln Financial through:

• Fake job offers
• Fraudulent policy or claim calls
• False unclaimed-property letters
• Account-security emails
• Requests to redirect a payment
• Messages asking for verification codes

Lincoln should not require payment by gift card, cryptocurrency or wire transfer to unlock an account, release a claim or process a job application.

What to Do After Suspected Fraud

1. Contact Lincoln through its official website or a verified statement number.
2. Change the Lincoln account password.
3. Change the connected email password.
4. Review beneficiaries, addresses, bank instructions and recent transactions.
5. Report the activity through Lincoln’s fraud form.
6. Contact the bank or financial institution when money may be at risk.
7. Preserve suspicious emails, texts, telephone numbers and documents.

Do not send identity documents through a link contained in an unexpected message.

Lincoln Financial Customer Reviews and Complaints

CustomerServiceNumbers.com currently shows Lincoln Financial with a rating of 3.0 out of 5 stars based on one review.

The review was submitted in 2018 and says the customer was waiting for a response from a Lincoln agent following a telephone conversation.

One dated review is not enough to establish reliable company-wide positive or negative customer-service trends.

Useful review topics may include:

• Life insurance claim processing
• Beneficiary or ownership changes
• Premium payments and policy lapses
• Annuity withdrawals or surrender requests
• Retirement-plan distributions
• Disability or leave claims
• Long-term care claims
• Account access
• Response times and follow-up

What to Include in Your Lincoln Financial Review

A useful review should explain:

• The product involved
• Whether you were the policy owner, beneficiary, claimant or plan participant
• The date the issue began
• Which telephone number or portal was used
• Whether a claim or case number was provided
• Which documents Lincoln requested
• How long the response took
• What resolution was offered
• Whether the matter was ultimately resolved

Do not include Social Security numbers, complete policy or account numbers, medical records, passwords, beneficiary tax information, bank details or private addresses.

How to Escalate a Lincoln Financial Complaint

1. Identify the exact product. Individual life insurance, annuities, retirement plans and workplace benefits use different departments.
2. Use the number printed on the policy or statement. This helps route the complaint to the correct issuing company and contract.
3. Request a case or claim number. Record the representative’s name, date and promised action.
4. Submit documents through a secure method. Keep copies and delivery confirmation.
5. Ask for a supervisor or claim manager. Explain what remains unresolved.
6. Request decisions in writing. Ask for the policy or plan provision supporting a denial or adjustment.
7. Follow the formal appeal process. Disability, retirement and insurance claims may have strict appeal deadlines.
8. Contact the appropriate regulator when necessary. Insurance complaints normally go to the applicable state insurance department. Employer retirement and benefit disputes may involve other agencies or procedures.

Information to Include in a Lincoln Complaint

Include:

• A partially masked policy, account or claim number
• The Lincoln company or product involved
• A concise timeline
• Previous representative or examiner names
• Documents already submitted
• Case and confirmation numbers
• The reason the earlier response was insufficient
• The exact resolution requested

Lincoln National Corporation corporate address:
150 N. Radnor-Chester Road, Suite A305
Radnor, PA 19087

Sending a complaint to corporate headquarters does not replace a required claim appeal, policy form or retirement-plan procedure.

Lincoln Financial Customer Service Frequently Asked Questions

What is Lincoln Financial’s customer-service phone number?

For general routing, call 1-877-275-5462. Individual life insurance customers can call 1-800-487-1485.

What is the Lincoln life insurance claims number?

Call 1-800-487-1485 and select the claims option.

What is Lincoln Financial’s disability-claims number?

For many employer-provided short-term disability, long-term disability and leave benefits, call 1-800-423-2765.

What is the Lincoln retirement-plan phone number?

The correct number depends on the employer and plan. Sign in or check the account statement. 1-800-510-4015 is associated with Lincoln Director plans rather than every Lincoln retirement account.

How do I make a Lincoln life insurance payment?

Sign in, use Lincoln’s guest-payment center or follow the payment instructions printed on the premium notice.

How do I change a Lincoln life insurance beneficiary?

Complete Lincoln’s beneficiary-change form or use an approved online process. Request written confirmation that the change was processed.

How do I file a Lincoln life insurance claim?

Contact the claims department, provide information about the insured and beneficiary and submit the requested claim forms and certified death certificate.

How do I track a Lincoln Financial claim?

Use the claims portal or contact the assigned examiner with the claim number.

How do I find a missing Lincoln policy?

Use Lincoln’s lost-policy inquiry tool or call 1-877-275-5462.

How do I report suspected fraud?

Use Lincoln’s official fraud-reporting page and contact the responsible product department immediately.

Where is Lincoln Financial headquartered?

Lincoln National Corporation lists its principal executive offices at 150 N. Radnor-Chester Road, Suite A305, Radnor, PA 19087.

What is Lincoln Financial’s corporate phone number?

Lincoln National Corporation’s corporate telephone number is 1-484-583-1400.

Is Lincoln Financial the same as Lincoln National?

Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliated companies.

How Lincoln Financial Compares With Other Insurers

• Prudential customer service: Offers life insurance, annuities, retirement products and workplace benefits.
• MetLife customer service: Provides workplace life, disability, dental and other employee benefits.
• Northwestern Mutual: Offers life insurance, disability coverage, annuities and financial-planning services.

When comparing companies, consider financial strength, policy guarantees, surrender charges, claim procedures, workplace-plan terms, rider costs, investment options and access to knowledgeable support.

Related Lincoln Financial and Consumer Help Pages

• Prudential customer service
• MetLife customer service
• Farmers Insurance customer service
• National General customer service
• Identify an unfamiliar insurance or financial charge
• Check a suspicious insurance, retirement or unclaimed-property message
• Find official online customer-support options
• Read and share insurance-company reviews

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers locate customer-service information and share their experiences since 2004.

We are an independent consumer-help website and are not owned or operated by Lincoln National Corporation, The Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York, Lincoln Retirement Services Company or any related company.

Our goal is to help consumers identify the correct department, understand common claim and account procedures, protect sensitive information, document complaints and report whether the company resolved the problem.

Share Your Lincoln Financial Customer Service Experience

Have you contacted Lincoln Financial about life insurance, a death claim, beneficiary change, annuity, retirement account, disability benefit, leave claim, long-term care policy, payment or account-access problem?

Leave a review below and explain what happened, which department you contacted, whether a claim or case number was provided, what documents were requested, how long the response took and whether Lincoln ultimately resolved the issue.

Do not include Social Security numbers, complete policy or claim numbers, medical records, passwords, bank details, tax information, private addresses or other sensitive personal information.

Customer Service Information Disclaimer

CustomerServiceNumbers.com is not affiliated with Lincoln National Corporation, Lincoln Financial, The Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York, Lincoln Retirement Services Company or any related company. Lincoln Financial does not provide customer support through this website.

Contact information and support links are provided to help consumers reach the appropriate company directly. Reviews and complaints reflect the experiences and opinions of individual contributors.

The information on this page is general consumer information and is not legal, tax, investment or insurance advice. Policy terms, plan documents and applicable law control.