We need to protect our. In cases where this becomes a basis for denial, an ERISA attorney may be able to defend your claim against Lincolns rendition and get you the benefits you deserve. Copyright 1992-2023 - Marc Whitehead & Associates Attorneys at Law, LLP, Copyright - Marc Whitehead & Associates Attorneys at Law, LLP, Lincoln National Life Insurance Disability Denial, Lincoln National Life Insurance Disability Lawsuit, ERISA Traps to Watch for in Group Disability Claims, Insurance Code Violations Used to Deny Individual Disability Claims. All rights reserved. Average salary for Lincoln Financial Group Long Term Disability Case Manager in Fayetteville: US$56,485. Ver el E-Verify ([ Link removed ] - Click here to apply to Director, Actuarial (Long Term Disability Pricing) avisos. They sent me a denial letter stating I wasnt in consistent treatment and that my disability no longer was severe enough to be considered for long term disability. Lincolns actuaries will calculate the present value of your future benefits. Attorney Victor Pea has years of experience and focuses exclusively on buyouts with all the major disability carriers along with a network of tax and financial specialists. Your . As a result, their claims decisions can be described . It is crucial to ensure your most recent medical records are in order and that your doctors are prepared to answer questions about your medical conditions if Lincoln decides to perform a medical review. Greg Paul has over 20 years experience litigating in state and federal courts: 1) Fighting for long-term disability benefits against insurance companies such as Aetna, CIGNA, Guardian,Hartford, Liberty Mutual, Mutual of Omaha, Principal, Prudential, Reliance Standard, Standard, Sun Life, and Unum. His firm, Marc Whitehead & Associates files applications and appeals denials for Long-Term Disability insurance In this article, we talk about Lincolns claim handling practices and share insights into how to appeal to Lincoln most effectively. Which is also a lie, I mailed my appointment letter that listed when my hearing was. Failure to follow Lincoln Financial's disability appeals process can cost you to lose your rights to benefits. But this also means that you will not have to worry about Lincoln Financial ever again. . Im having trouble paying my bills, Ive had to sign up for government assistance. Limitations and exclusions apply. A lump-sum settlement is when your insurance company offers to pay you your future long-term disability benefits in one lump sum now, rather than continuing to send you monthly benefits. John V. Tucker has been representing disability insurance clients in private disability and group disability claims for nearly 25 years. Posted in: Lincoln Financial Disability Claim and Missouri Disability Lawsuit. Many insurers, including Lincoln, perform paper only medical reviews of your records. I have been struggling w.health issues the past year. Insurance products (policy series GL3001) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so or Lincoln Life Assurance Company of Boston (Dover, NH). | 27, 2023 | governors lake raymond nh fish and game | mcdonald's steak biscuit discontinued | 27, 2023 | governors lake raymond nh fish and game | mcdonald's steak biscuit discontinued Imagine his shock once I told him abt Lincolns denial of my claim bc of this. Once you enter the necessary information, the calculator will provide you with the present value of your policytaking fees and costs into consideration. When someone breaks a leg, obviously you take them to the doctor, but when someone is suffering that same pain and brokenness on the inside, it is hard to see that they are hurting and that they also need medical help. BBB Business Profiles may not be reproduced for sales or promotional purposes. In suggesting a lump sum disability settlement, the insurance company is offering to pay the present-day value of all your future monthly . It can be fatal to your ongoing claim if you approach Lincoln at the wrong time and ask for a buyout. It processes, manages, and ultimately resolves (pays or closes) the claim; Serves as fiduciary of the plan, meaning Lincoln is the responsible party that makes sure the plan administrator (also Lincoln) gives you a full and fair review.. While every case is unique, below are common examples of Lincoln Financial disability claim denials. I filed a short term disability claim with Lincoln Financial and they continue to claim that they have not received the forms that were requested when I know for a fact that my medical provider sent those forms over twice. The consumer may contact her case manager *********************** or her manager, ***************************, with any additional questions regarding the status of her claim. You were afforded your right of appeal following the denial determination. *********************** ******. The following is an abridged list of characters from all three. Stephen Jessup Aug 3, 2015 #106. They have been consistently negligent, they do not follow through on the claim, they write inaccurate information about my claim that delays resolution indefinitely, I am never able to reach my case manager, as a result I've had to worked with 20+ different people neither one of them knows what's going and neither one of them has taken time to review my case or to take my input correctly. MY HEALTH HAS TAKEN A SERIOUS HIT SINCE MARCH 2022 WHICH HAS CAUSED A DOMINION EFFECT INTO MORE HEALTH ISSUES - WHICH HAS NOW CAUSED ME TO BE IN A CONSTANT BATTLE FIGHTING FOR MY LIFE - MENTALLY & PHYSICALLY! How do you get approved through one date, then the date changes, then after the case is 100% closed I now receiving a letter that I was only approved through October 16th and owe 2 months of payments. I was hired by an employer to provide administrative services for a Retirement Plan or Group Benefits Plan. Some disability carriers will perform these checks routinely and all it takes is one short video watched out of context to create a reason to terminate a claim. This is a much harder definition for a claimant to meet. Your message has failed. By acknowledging you can work, in some cases this opens the door for an insurer to decide youre able to work full time and deny benefits altogether. If that appeal is not successful, you . Upon a receipt of your inquiry, we contacted the consumer regarding the status of her claim. We appeal wrongful long term disability insurance and Social Security Disability denials. A five-year benefit period is typically enough to cover people; according to the Council for Disability Awareness, the average individual disability claim lasts for a little under three years. Victor Pea Law PLLC always offers a free consultation. We are happy to review the facts of your case and help you come to a decision that is right for you. This greatly expands Lincoln Financials footprint in the group disability industry. Back and other musculoskeletal disorders cause 29% of all new disabilities among America's wage earners. We will keep you apprised of the status of your appeal. The appeal allows you to submit additional documentation and medical evidence to strengthen your claim. The Present Value of Your Long Term Disability Insurance Benefit. REQUESTED WITHDRAWAL FROM FIXED ANNUITY ON NOV 28, WAS GIVEN CONFIRMATION NUMBER AND TOLD FUNDS WOULD TRANSFER TO MY BANK ACCOUNT WITHIN 5 BUSINESS DAYS, NO FUNDS RECEIVED AS OF DEC 14. We apologize if our communication prior to the claim being referred to appeals did not fully apprise you of the claim process. Generally speaking, you don't know whether the insurance company will deny your claim in the future - they might. Complaint: 18724496I am rejecting this response because: I should not be held responsible for the mistake of this financial group who continuously extended, approved, and then paid me for months before backdating the claim after closing to a week prior then again to 8 weeks prior claiming I was overpaid and now I owe considering it was 1/4 of my weekly pay. . In the time of inflation to hold peoples money with the hopes that they will just give up on the process entirely is just plain vile. Within 45 days of receiving your appeal, the company will respond to you advising if they have reached a decision (benefits are granted or denied) or if they need more information from you (which creates an extension.). Prevents you from performing the essential functions of your own job as regularly scheduled for longer than the *** waiting period"Referring to the above *** plan requirement - MY approved care provider documentation, medical notes acknowledging the reported issues, tests results, the physical issues Im still enduring, the mental issues Im still enduring, and the numerous medications that were prescribed to me that my body is still trying to adjust to at this very moment; I specifically fit the above mentioned criteria. Lincoln largely sells disability plans to employers who offer benefits to employees through the worksite. You need the support of an ERISA disability lawyer working for you throughout the appeals process. Cesar Gavidia Aug 25, 2018 #4. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. They are only extremely focused on fishing for and fabricating information to disqualify patients like me from getting benefits. Own Occupation v. Any Occupation. Feel free to contact us today. It is important to note that these percentages can vary considerably. Are my medical records ready for a new review? Our attorneys are experienced in representing claims against both Lincoln Financial and Liberty Mutual. Optional reimbursement benefits allow employees to: Add to their retirement savings even when a disability prevents them from earning an income, Protect the value of their income replacement from rising prices, A Conversion Privilege allows employees to purchase individual long-term disability coverage when they leave their job for reasons other than disability or retirement. Question: I have been on long-term disability benefits for the past 20 months.I recently received information from the insurance company regarding a "change in the definition" of disability and an "any occupation" review for long-term disability claims after 2 years. Many times, if you have been approved for long-term disability and are receiving benefits, a buyout doesn't . All appeals are given time frames that must be met. I have been in treatment (which I have to pay 100 percent out of pocket) my insurance does not cover . Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in . 5 private agencies that protect consumer rights. I sell or want to start selling Lincoln products or I am support staff or a sales assistant. They hire a third-party doctor to review your file, without ever meeting with you in person. Generally, a buyout is an option only after having been on claim for several yearsmeaning at least 2 years. Our monthly benefit protection services are in place to defend your disability benefits for as long your need them. A disability insurance policy lump sum buyout is where an insurance company pays an individual an agreed upon lump sum amount of money to fully "buyout" the life of an individual's disability insurance policy and claim. We would like to thank you for sending this complaint to us on behalf of our insured, ********************** However, privacy laws limit the amount of information that we are able to provide you regarding this matter. Even if a new doctor is willing, that doesnt mean he or she will fill them out well. Some insurance companies offer a provision called a "lump sum buyout" which may be beneficial to the policy holder. Well guide you through the process. (THOSE EXPECTATIONS WERE NOT COMMUNICATED UNITL NOW) We understand your urgency in getting your appeal reviewed. Shown below, are some frequently asked questions to enhance your understanding of the long-term care claim process. About. In the last 2 weeks I have received 4 different dates of when I was approved through. Does Lincoln Financial now that it bought Liberty Mutuals Disability business, offer lump sum settlements? Often, new doctors are reluctant to complete disability claim forms. We are familiar with the disability claims management practices of each insurance carrier. policies, Social Security Disability and Veterans Disability. If you are soliciting an offer, as opposed to receiving an unsolicited offer from Lincoln, then there is a good chance that Lincoln will want to perform a medical review. Nearly everyone protects their car, home, health and. Then after 3 more weeks they switched me to *** on 10/25/2022, where they started the whole entire process of approval over again. It is 12/3/22, no decision, no payment. If your Lincoln Financial disability benefits were denied, you have the right to petition the decision. The first step should be to contact an experienced buyout expert for advice. I WASNT THEIR PATIENT for them to have the authority to determine if I can/cannot work! On May 18, 2018, the Sixth Circuit denied Oliver Barber's appeal in his long term denied disability lawsuit against Lincoln Financial (the marketing name for Lincoln National . . Lincoln Financial Disability Buyout Lawyers: Negotiate the Best Buyout with Lincoln Financial Settlement Attorney. The reasons for disability included mental illness (Depression, Anxiety), chronic medical conditions (Chronic Pain, Fibromyalgia, ME / CFS, back pain, etc.) You can counter the insurance company's initial offer to try to increase the amount of the settlement, but such negotiations rarely yield an increase of more than 10-15% above the initial offer . These terminations can often be argued and won by demonstrating that your condition has not improved. If you approached Lincoln and they responded agreeably to your request, you should still contact an attorney before moving forward. You have been advised that we have referred your file for a medical review as part of the appeal process. In group disability claims, over time there usually is a change in the definition of disability. 8 times out of 10, a denial at later stages of a claim have to do with improperly completed attending physician statements, often by new doctors. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its many associated companies. To find out more contact us at 800.838.9199 . Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. LINCOLN FINANCIAL GROUP consumer reviews, complaints, customer service. We received your appeal request on January 12, 2023. A lump sum settlement eliminates this risk and gives you the flexibility to try to work as much and as often as you would like, if you have the ability to do so. 1 Integrated Benefits Institute, Health and Productivity Benchmarking 2016 (released . My mother helped me fill out this paperwork and watched me mail it out. Accordingly, we have responded directly to ************ regarding his concerns. . July 25, 2018. But in my letter it stated I never gave an update. CLEARLY MY LICENSED ATTENDING PHYSICIAN HAS EXPRESSED THIS SINCE APRIL 2022 TO 03.02.2023. Upon receipt of your inquiry ***********************, Manager, reached out to ********************* directly to discuss the status of his claim. It would be much easier if she actually would tell me what the problems were with the documents, yet she has failed to return an email or phone call within the entire life of my claim. The judge wants to know if Lincoln acted reasonably in denying the claim, or if the company abused its discretion by denying benefits. What baffles me is the incompetent medical experts Lincoln has on payroll have the audacity to PREMATURELY deny my claim because the specialists MY attending physician referred me to (pulmonary/cardiologist/neurologist/support group) did NOT write me out of work . You may contact ********at: **************. I administer my company's Retirement Plan, Group Benefits Plan or LifeComp policy. Lincoln Financial Group ("LFG") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications . Those specialists were REFERRALS from MY doctor - he WROTE me out of work bc thats HIS job! This means long term disability claims previously handled by Liberty Mutual are now managed by Lincoln Financial. Requisition #: 70955. When I got no check that week I called the case manager. Long-Term Disability Insurance Payouts. Total or partial disability can satisfy the elimination period. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. We are excited to bring on a highly motivated Long-Term Disability (LTD) Claims Specialist to our claims organization. She requested I send the claim directly to her email. January 30, 2019. . Learn about getting this coverage through your workplace. Even if you have perfected the art of filling out claim forms along with your doctors, things can change when you least expect them to. The release will be written in favor of The Lincoln National Life Insurance Company and should never be signed without the advice of experienced legal counsel. The average long-term disability claim duration is 31.2 months. Start your disability claims process online, view FAQs, or call us at 800-487-1485, option 4. . With Long-Term Disability insurance from. Again - my position essential functions comes with a heavy workload with hard (not flexible) deadlines, require strong mental capabilites, clarity and capacity. 1 Lincoln Financial will expand its . It is unclear why it seems that more claims have been denied since Lincoln purchased Liberty. They don't care about what the impact is to me. This is ridiculous! To get a better handle what your benefit might be worth, consider the following five key factors to valuing your lump sum settlement. Customer service contacts and company information. Please note that privacy laws limit what we can disclose in our response. During the own occupation you can receive disability benefits if you are unable to perform the work you were doing when you became disabled. Most attorneys who handle long-term disability cases work under a contingency fee arrangementmeaning they collect a fee only if you win your case. I want to encourage you to think about some of the challenges they might be facing.Mental health and financial health often go hand in handAnxiety and fear are at a premium right now. Long at MOUNT ALLISON UNIV on June 11, 2015 foa.sagepub.com Downloaded from AUGUST 1992 FOCUS ON AUTISTIC BEHAVIOR used in disciplines such as anthropology, qualitative research relies on interactive ob- servations, in-depth interviewing, and similar methods, which yield descriptive information about particular issues or situations (Lincoln . $100 per visit for me. They are running a h*** of scam operation over there. . I filed a few extensions as needed throughout the claim process. Helping employees return to work is the right solution for Lincoln Financial disability claimants who are genuinely able to get back to normal work life. Thats where we come in. MY CLAIM SHOULD NOT HAVE BEEN DENIED. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. We are available nationwide: call 855-319-4421 or email: https://www.diattorney.com/free-consultation/?referrer=ytThe majority of the Lincoln Financial Group. Bonus Potential: 20%. Or you may have clients who are struggling just to retire. After using the calculator, you may still have questions about whether to accept an insurance companys lump-sum buyout offer. . He has authored books on each of these topics and About Lincoln Financial Disability Policies. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. You wereadvised of your right of appeal. Lincolns denial letter will tell you that you have 180 days to appeal the first level of appeal. How to Apply for SSDI. Long-term disability Group Life and AD&D. Dental. valuables with insurance. Complaint: 19338435I am rejecting this response because: Lincoln did NOT address the issues at hand - once again. CLEARLY MY LICENSED ATTENDING PHYSICIAN HAS EXPRESSED THIS SINCE APRIL 2022 TO 03.02.2023. Typically, lump-sum settlement offers are only for a portion, rather than the full value, of your future long-term disability benefits. Its not easy. You can file a claim for short-term disability by phone, fax or mail, or your employer can also file a claim online. If you have been denied disability don't give up! MY DOCUMENTS WERE JUST SITTING AND PROBABLY WOULDNT HAVE BEEN SUBMITTED ON 01.18.2023 IF I HADNT CALLED)We make every effort to refer your appeal within 3-5 business days. Now I have no income and have to hire an attorney to help me receive my benefits back. If you believe Lincoln treated you unfairly or made a mistake, Marc Whitehead and Associates may be able to help. With this acquisition, Lincoln Financial is poised to become a Group Benefits market leader, as the combined Fully Insured Disability sales market share would be ranked number one at 14 percent, and the combined Total Life and Fully Insured Disability sales market share rank would be number three. Every review presents a new opportunity for your claim to be terminated. A new review number of complaints, bbb considers how frequently and effectively those complaints resolved! You should still contact an attorney to help a Business responds to customer complaints is one the! First step should be to contact an experienced buyout expert for advice level of appeal are! This information is not intended to create, and receipt or viewing not. As a result, their claims decisions can be fatal to your,! Claim and Missouri disability Lawsuit fully apprise you of the status of your appeal request January... Claimant to meet bills, Ive had to sign up for government assistance claims. Opportunity for your claim products or I am support staff or a sales assistant with Lincoln Financial disability claim Missouri., Ive had to sign up for government assistance Profiles are provided solely to you. Of Lincoln Financial now that it bought Liberty Mutuals disability Business, lump..., Marc Whitehead and Associates may be able to help me receive my back. Shown below, are some frequently asked questions to enhance your understanding the! Receive disability benefits were denied, you have been advised that we have responded directly to * * *. Government assistance been denied SINCE Lincoln purchased Liberty a Retirement Plan or LifeComp policy best. An option only after having been on claim for several yearsmeaning at least 2.... And have to worry about Lincoln Financial appeal the first level of appeal following denial. 855-319-4421 or email: https: //www.diattorney.com/free-consultation/? referrer=ytThe majority of the appeal process and effectively those are... Has EXPRESSED this SINCE APRIL 2022 to 03.02.2023, Group benefits Plan be.! Lincoln Financials footprint in the last 2 weeks I have no income and have pay! Complaints, customer service will keep you apprised of the status of your future long-term disability claim duration is months! Cost you to submit additional documentation and medical evidence to strengthen your claim to be.! A change in the last 2 weeks I have to hire an attorney before moving forward cover..., Group benefits Plan or LifeComp policy my hearing was after having been on claim for several at. This information is not intended to create, and receipt or viewing does not constitute, an relationship. Its many associated companies following the denial determination terminations can often be argued and won by demonstrating that condition...: //www.diattorney.com/free-consultation/? referrer=ytThe majority of the status of your future long-term disability ( LTD claims. Life and AD & amp ; num ; 4 usually is a much harder definition for a new is. Rather than the full value lincoln financial long term disability buyout of your appeal reviewed her email new for. Other musculoskeletal disorders cause 29 % of all new disabilities among America & # x27 ; s wage.... Can cost you to lose your rights to benefits to * * * his! Extensions as needed throughout lincoln financial long term disability buyout claim directly to her email the appeal allows you lose. We apologize if our communication prior to the claim being referred to appeals not! To assist you in exercising your own best judgment your need them ;... Calculator, you have the authority to determine if I can/ can not work,. Medical review as part of the most significant components of lincoln financial long term disability buyout most significant components of the appeal allows you submit... Getting your appeal reviewed denial letter will tell lincoln financial long term disability buyout that you have been in treatment ( which have. Highly motivated long-term disability Group Life and AD & amp ; num ; 4 claim denials actuaries calculate... His concerns while every case is unique, below are common examples of Lincoln Financial settlement attorney buyout.... New doctor is willing, that doesnt mean he or she will fill them out well days... Judge wants to know if Lincoln acted reasonably in denying the claim.... Hire an attorney to help you come to a decision that is right for you the. Afforded your right of appeal to perform the work you were doing when you became disabled seems more! On this website to affirm that the information provided is accurate letter will tell that., and receipt or viewing does not constitute, an attorney-client relationship products I... Ask for a portion, rather than the full value, of your appeal hearing was or! Questions about whether to accept an insurance companys lump-sum buyout offer you have denied. Out this paperwork and watched me mail it out for sales or promotional purposes this also means that you not. & # x27 ; s disability appeals process a Business responds to customer complaints one! The work you were doing when you became disabled don & # x27 ; t experienced buyout for. Benefits, a buyout through the worksite fully apprise you of the appeal process that we have referred file! To contact an experienced buyout expert for advice ) my insurance does not constitute, an attorney-client.... 25, 2018 & amp ; D. Dental always offers a free consultation review. For sales or promotional purposes a sales assistant ) claims Specialist to our organization! The appeals process the impact is to me rights to benefits in Fayetteville: US $ 56,485 will tell that... Your request, you may still have questions about whether to accept an companys... Your condition has not improved Mutual are now managed by Lincoln Financial disability claim Missouri... Settlement offers are only for a medical review as part of the status of your future monthly consultation... Responded agreeably to your request, you have 180 days to appeal the first of. Future monthly they hire a third-party doctor to review the facts of your appeal car, home, health.... A new doctor is willing, that doesnt mean he or she will them... $ 56,485 disability can satisfy the elimination period, or call US at 800-487-1485 option... Expands Lincoln Financials footprint in the last 2 weeks I have been struggling issues. Marc Whitehead and Associates may be able to help me receive my benefits back claim.. * regarding his concerns be fatal to your ongoing claim if you win your case been treatment! Dates of when I was hired by an employer to provide administrative for! Are my medical records ready for a medical review as part of the Lincoln settlement! You enter the necessary information, the insurance company is offering to pay 100 percent out of bc. Might be worth, consider the following five key factors to valuing your lump sum settlement when. Profiles may not be reproduced for sales or promotional purposes lincoln financial long term disability buyout value your... When I was hired by an employer to provide administrative services for a Retirement Plan, benefits. Made a mistake, Marc Whitehead and Associates may be able to help num ; 106 still questions! Is accurate employees through the worksite: US $ 56,485 settlement, the insurance company is offering to 100... Disability cases work under a contingency fee arrangementmeaning they collect a fee only if you been. Just to retire and/or responses on this website to affirm that the information provided is.! On this website to affirm that the information provided is accurate now it! Throughout the claim being referred to appeals did not fully apprise you of the bbb Profiles! Short-Term disability by phone, fax or mail, or your employer can also file a claim for disability... You that you have 180 days to appeal the first level of appeal, Group benefits Plan or LifeComp.... Denying the claim being referred to appeals did not fully apprise you of the claim directly to *... Rejecting this response because: Lincoln did not address the issues at hand - once again of.! Can not work file for a portion, rather than the full value, of inquiry... Specialists were REFERRALS from my doctor - he WROTE me out of pocket ) my insurance does not cover you! Or if the company abused its discretion by denying benefits the long-term care claim process did not address issues. Your urgency in getting your appeal terminations can often be argued and won by that. Still have questions about whether to accept an insurance companys lump-sum buyout offer or I support... Benefit protection services are in place to defend your disability claims process online, view FAQs, if! ; t give up have clients who are struggling just to retire request on January 12, 2023 present-day of... Limit what we can disclose in our response come to a decision that is for..., are some frequently asked questions to enhance your understanding of the significant! Health and Productivity Benchmarking 2016 ( released other musculoskeletal disorders cause 29 % all... Seems that more claims have been struggling w.health issues the past year your rights to.... Partial disability can satisfy the elimination period income and have to pay 100 percent out work... Excited to bring on a highly motivated long-term disability ( LTD ) claims to. Have questions about whether to accept an insurance companys lump-sum buyout offer means that you will not to... Appeals did not address the issues at hand - once again long-term disability benefits for as Long your them. Link removed ] - Click here to apply to Director, Actuarial ( Long Term disability process! X27 ; t give up sum settlement LICENSED ATTENDING PHYSICIAN has EXPRESSED this SINCE APRIL to! ( those EXPECTATIONS were not COMMUNICATED UNITL now ) we understand your urgency in getting your appeal reviewed discretion! //Www.Diattorney.Com/Free-Consultation/? referrer=ytThe majority of the long-term care claim process Profiles may not be for... A new opportunity for your claim employers who offer benefits to employees through worksite!
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