OFFICER POWER OF ATTORNEY



Know all by these presents, that the undersigned hereby

 constitutes and appoints each of Charles A. Brawley, III,

Karen K. Kanjian and C. Suzanne Womack, signing singly, the

undersigned's true and lawful attorneys-in-fact to:



(1) execute for and on behalf of the undersigned, in the

undersigned's capacity as an officer of Lincoln National

Corporation (the "Company"), Forms 3, 4, and 5 in accordance

with Section 16(a) of the Securities Exchange Act of 1934 and

the rules thereunder;



(2) do and perform any and all acts for and on behalf of the

undersigned which may be necessary or desirable to complete and

 execute any such Form 3, 4, or 5 and timely file such form with

he United States Securities and Exchange Commission and any stock

exchange or similar authority; and



(3) take any other action of any type whatsoever in connection

with the forgoing which, in the opinion of such attorneys-in-fact,

may be of benefit to, in the best interest of, or legally required

by, the undersigned, it being understood that the documents executed

by such attorneys-in-fact on behalf of the undersigned pursuant to

this Power of Attorney shall be in such form and shall contain such

terms and conditions as such attorneys-in-fact may approve in such

attorneys-in-fact's discretion.



The undersigned hereby grants to such attorneys-in-fact full power

and authority to do and perform any and every act and thing whatsoever

requisite, necessary, or proper to be done in the exercise of any of

the rights and powers herein granted, as fully to all intents and

purposes as the undersigned might or could do if personally present,

with full power of substitution or revocation, hereby ratifying and

confirming all that such attorneys-in-fact, or such attorneys-in-fact's

substitute or substitutes, shall lawfully do or cause to be done by

virtue of this power of attorney and the rights and powers herein granted.

The undersigned acknowledges that the attorneys-in-fact, in serving in such

capacity at the request of the undersigned, is not assuming, nor is the

Company assuming, any of the undersigned's responsibilities to comply

ith Section 16 of the Securities Exchange Act of 1934.



This power of attorney shall remain in full force and effect until the

undersigned is no longer required to file Forms 3, 4, and 5 with respect

to the undersigned's holdings of and transactions in securities issued by

the Company, unless earlier revoked by the undersigned in a signed writing

delivered to the attorneys-in-fact.



IN WITNESS WHEREOF, the undersigned has caused this power of attorney to

be executed as of this 21st day of November, 2006.







/s/ Dennis L. Schoff

Signature



Dennis L. Schoff

Print Name