I'm not aware of any Lincoln Financial operating in India. Lincoln Financial is a US-based insurance company. If you are referring to a different company, please provide more details. However, I can provide a general answer.
In India, if you receive a denial of your long-term disability claim from an insurance company, you can approach the Insurance Ombudsman or the Consumer Forum for redressal. The Insurance Ombudsman is a quasi-judicial body that resolves disputes between policyholders and insurance companies. You can file a complaint with the Insurance Ombudsman within one year from the date of denial.
Alternatively, you can approach the Consumer Forum, which is a statutory body established under the Consumer Protection Act, 1986. The Consumer Forum has the power to hear complaints related to deficiency in service, including insurance claims.
Before approaching the Insurance Ombudsman or the Consumer Forum, it's essential to review your policy documents and understand the terms and conditions. You may also want to consult with a lawyer or an insurance expert to help you navigate the process.
Please note that the above answer is general in nature and may not be applicable to your specific situation. If you could provide more details about the insurance company and the policy, I may be able to provide a more accurate answer.