When an individual is unable to work because of physical, psychological, or medical conditions that qualify for LTD in the United States, they choose to seek benefits through ERISA or a private disability insurance policy. Claiming benefits is complicated, and many applicants lack the legal expertise necessary to navigate the process.
Consulting an experienced disability claims lawyer enables you to recover full and fair benefits.
Why do insurance companies use surveillance tactics?
Insurance carriers require the applicant to complete an Activities of Daily Living form. The form states the extent of their physical capabilities. Insurance companies often conduct surveillance on the applicants to ensure the validity of their claims. They use means such as field visits, online surveillance, and physical surveillance to gather evidence that can be used against you to deny your claim. If they find you performing an activity that contradicts what you have stated in the form, your credibility is destroyed.
How can you protect yourself from surveillance tactics?
Follow your doctor’s instructions carefully.
If your doctor instructs you not to perform a specific activity that could add strain to your condition, do not push yourself to do it and overexert yourself. Avoid doing any activities that could negatively affect your condition. Also, attend all your scheduled visits with the physician. The insurance company should be able to notice that you are making every effort to improve your health.
Do not post on social media.
Social media posts are one of the best ways to keep track of an individual’s activities. There is no doubt that insurance companies will keep an eye on what you post online. They may even use a seemingly harmless post to show that you were lying about your physical limitations and deny your claim. It is in your best interest to stop posting on social media and ask your friends and family to stop posting about you online. Also, strengthen your privacy settings.
Contact a lawyer.
A strong legal advocate on your side ensures that the insurance company does not use illegal tactics to conduct surveillance on you and protects your legal rights. Lawyers are aware of the methods they may try to use and advise you to protect yourself from them. They also help you defend yourself against any information that they gather.
Your lawyer works dedicatedly to understand your unique circumstances and individual needs to protect your future welfare. They also explain your legal options to you and enable you to choose the most efficient manner in which you can seek benefits. Their assistance prevents insurance companies from denying your claim.