Long term disability attorneys Greg Dell and Alex Palamara discuss why disability insurers like Lincoln often deny appeals even when multiple treating doctors support a claimant’s disability. Greg points out a common pattern: claimants may have four or five supportive medical sources, plus objective testing such as functional capacity exams. Yet disability insurance companies routinely rely on a single doctor—paid by the company—who performs only a “paper review,” never examines the claimant, and highlights isolated normal findings to justify a denial.