Insurers Use These Tactics to Deny Long-Term Disability Benefits

Have you been denied long-term disability benefits?  You are not alone.  Even if you have a valid disability, your claim could still be turned down.  Insurance companies are notorious for using tactics to deny long-term disability benefits.  Some of these tactics include surveillance and interviews.  It is important to remember that insurance companies are in the business of making money and these insurers will look for ways to avoid paying your benefits.

Believe it or not, insurance companies have been known to hire private investigators to monitor your activities.  These private investigators will park outside your home, follow you to the store or to other events.  They are looking to see if you are doing something that is not consistent with your disability.  The hope is that the private investigator will be able to gather enough evidence, through pictures and video, to disprove your disability claim.

Some insurance companies will follow up the surveillance with an interview.  An insurance representative will come to your house to see if you will play up your disability that will contradict what was captured on film.  At the end of the interview, the representative may pull out the photos or show you a video that depicts you doing something they believe you shouldn’t be able to with your disability.  What commonly happens at this point is that you end up saying something that can hurt your chances of receiving benefits.

What is unfortunate about these “sneaky” tactics is that people who are disabled do not want to be that way.  If you are disabled your desire is to get better and return to the life you had before.  You may push yourself to engage in activities that end up causing you pain.  That doesn’t mean that you are being dishonest by collecting disability benefits, it means that you are just trying to overcome your condition.

If you have been denied long-term disability benefits in Florida, you should contact a Miami insurance claim lawyer at the law firm of J.P. Gonzalez-Sirgo, P.A. at (305) 461-1095 or toll free at (866)-71-CLAIM for legal advice.