Posted by on Sep 29, 2017 in Disability Claims | 0 comments

Will they investigate me if I file for disability?

One of the questions that most people ask when they first file for disability benefits from the insurance company is, “Will they investigate me if I file for disability?” This is a great question and although some people may find it funny to ask, it is important to know what exactly they are going to put you through when and if you file!

As soon as you file a claim the investigation process begins. The company will examine your paperwork and will make a determination if your claim matches their disability checklist and if your medical records are in order. The insurance company may choose to hire an investigator to follow up in certain cases, so it is important to know the types of surveillance they may employ. They include:

Video Surveillance – the insurance company may videotape you to find out if you are truly as injured as you claim you are. So make sure not to do anything that might give them the wrong impression that you are maybe healthier than you claim to be. The stories are out there, and some may sound ridiculous, but they could potentially ruin your claim. Roughhousing with your kids in the pool, performing manual labor in the yard, or participating in sports could make it appear that you are more healthy than you let on and could ruin your claim.

Field Visits – This is usually very intrusive for many people when the company sends out a team to meet with you in your home and question you about your disability. If someone comes to your home and wants to conduct an interview without giving you advance notice, you should call your attorney immediately.

Social Media Scanning-  Your social media accounts may be a fun way to keep up with your family and friends, but it can be used against you in a disability case. If you are a frequent poster, you may want to consider making your profiles private and may wish to take a break from posting about yourself and your activities while you are going through the disability claims process. If you are frequently posting about events that you are attending, posting photos out with friends or in bars or restaurants, you again may be demonstrating to the insurance company’s investigators that you are not as hurt as you claim.

It is smart to consider the public face that you are presenting during this time. While you don’t have to mope around and be depressed following an injury accident that has left you disabled, it is important to realize that your behavior and actions may be scrutinized during this time, so try to make sure that your words and actions match your disability claim.

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