Often, insurance companies will require that claimants submit to an interview during the application stage and periodically during the administration of a claim. These interviews can either be in person, called a "Field Interview," or over the telephone. There are several things you need to know before you submit to an interview by your disability insurance company.
As noted in some of our previous blogs, insurance companies often require an in-person or telephone interview with a claimant either prior to making a claim determination or during the ongoing evaluation of a claim that is being paid. The goal of the insurer's interview is not simply to better understand their insured's claim, but to acquire information that can be misconstrued or taken out of context -and ultimately used to further delay or deny the payment of benefits. In many cases, the insurance company has provided the interviewer with specific information it considers problematic and has instructed the interviewer to delve into these issues. Most of the time the red flag issues are not openly acknowledged, but rather addressed in an indirect manner. Thus, rather than providing the insured with the opportunity to directly explain any alleged problems or inconsistencies, the interviewer asks indirect questions hoping to elicit information that can be used to deny benefits. Examples of red flag issues include information from a tax return, information obtained by looking at corporate filings, pictures or comments posted on an insured's social network page, surveillance video footage, and information (or the lack of information) within a set of medical records.