When you file an ERISA insurance claim for short or long-term disability benefits, you should not expect the insurance company to quickly and willingly grant your claim and begin sending payments. Instead, the insurance company will take many steps to determine whether it can challenge your claim and deny benefits. Insurers use many different tactics, including surveillance of your activities. Traditionally, insurance companies would conduct surveillance when claimants were in public, trying to capture proof that they are not as limited as they state. However, in modern times, some of this surveillance has moved online.
We use social media for a variety of reasons – to stay connected, share information and opinions, and show our friends and family snapshots of our lives. You might not think twice before posting a photo to your Facebook or Instagram page when, in reality, it can impact your disability claim.
A significant percentage of insurance companies use social media surveillance to verify or challenge disability claims. They are looking for any information that might call the credibility of your claim and stated restrictions into question. When you file your claim, companies might even use archiving tools to find past information you deleted.
You cannot rest easy just because your Facebook page is set to private. Did a friend or family member tag you in a post or photo? Is their page private? You would be surprised how many ways insurers have to find information about you on various social media sites.
Something that you might never consider harmful or controversial might raise red flags to the insurance company. For example, consider the following situations:
These are only two of endless ways that social media posts can impact your disability claim. It is best to remain off of these sites while your claim is pending.
The Garner Firm helps clients with the ERISA disability claims process, and our Philadelphia disability claims lawyers can advise you of the dos and don’ts when it comes to social media and other conduct. Contact us for more information.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
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