Surveillance is a frequent tool used by disability insurance companies to try to deny or terminate claims. We often hear from claimants: "I have nothing to worry about, because I am actually disabled. Let them follow me;" "I would know if I were under surveillance;"...
Common Insurance Company Tactics
Own Occupation vs Any Occupation Disability Policy Definitions
Many group and individual disability insurance policies provide protection in the event that a claimant cannot perform the material duties of their Own Occupation ("Own Occupation Period") for a limited period of time (typically 24 months). In many policies, after the...
Prudential Long Term Disability Denial of Benefits for Fibromyalgia (CFIDS) and Chronic Fatigue Syndrome Overturned on Appeal
As those who suffer from medical conditions such as fibromyalgia and chronic fatigue syndrome know, these illnesses can incapacitate an individual physically and mentally. No current treatment has proven totally effective against these infirmities and in many cases...
It is often difficult to get a disability insurance company to accept liability of the claim, when a claimant suffers from a condition that is not readily diagnosed by objective testing.
It is often difficult to get a disability insurance company to accept liability of the claim, when a claimant suffers from a condition that is not readily diagnosed by objective testing. Insurance companies frequently target conditions such as fibromyalgia, chronic...
Your disability insurance claims examiner is not their friend and the information you provide to them can often be misrepresented and used against you.
Your disability insurance claims examiner is not their friend and the information you provide to them can often be misrepresented and used against you. It is essential to remember that insurance companies have an inherent conflict of interest in that they are...
Your Disability Insurance Company May Be Stalking You On Facebook
Your disability insurance company could be stalking you on Facebook. Be careful who you Friend or what you post on the internet. Insurance companies have become extremely savvy in how to use social media to "investigate" and ultimately deny insurance claims. Facebook,...
Common Deceptive Disability Insurance Company Tactics
Disability insurance companies often employ common insurance company tactics when investigating a claim or claimant. Insurance companies are businesses that profit when insurance claims are not paid. Accordingly, they spend a significant amount of money each year...