Disability insurance companies use surveillance as a tactic to investigate and deny claims. This practice is, for the most part, just an intimidation tactic. In the overwhelming majority of cases, video surveillance is useless in determining whether a person is disabled or not. A single moment of footage does not establish whether a person is able to work. Unfortunately, there isn’t much that law can do to stop insurance companies from sneaking around and spying on you. With some insurance companies such as Liberty Mutual and The Hartford, surveillance is guaranteed to some degree. The good news is you can personally take steps to deal with such surveillance, maintain your integrity and eventually succeed in your claim.
Deal with insurance company surveillance in four simple steps:
Remember that some of the seemingly menial things that you do in your life might be interpreted as being inconsistent with your claim. Long travels, baby sitting, taking care of elderly or disabled relatives, frequent driving, long shopping trips and volunteering at your church – can all be interpreted as being inconsistent with your disability. Therefore, if you engage in these activities, you must be ready to explain how and why you are able to perform them.
Be mindful in your online activities
The rise of the internet has left no one untouched – not even your insurance company. From Facebook, Twitter and LinkedIn to personal web blogs, agents will scour the web for any piece of information they can find.
Do you feel like someone is watching you? Do you wonder about that car parked outside your home so frequently? Don’t dismiss it off as paranoia. Chances are, it’s really happening. Trust your instincts and be careful if you feel you’re being watched.
Document any harassing activities
Is the surveillance crossing the line? Invasive surveillance is illegal. RamosLaw will ensure that law is on your side. When you feel something is getting out of hand, keep calm and call RamosLaw. The odds are, that the insurance company will eventually hurt their own case when they are overly aggressive in their surveillance.
For a free consultation with a Connecticut or Massachusetts Long Term Disability Lawyer, you can contact us or call toll free (855) 946-7266.