Insurance Company Tactics in Long Term Disability Insurance Claims

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

A not uncommon scenario:

LTD Claim Denial

Your long term disability insurance benefits were approved years ago.  Out of the blue, you receive a letter from your disability insurance company informing you that effective immediately your monthly disability insurance payments have been terminated.  The insurance company has also sued for all past payments made to you, along with lost interest, costs, and attorney fees.  In addition, they have forwarded your case to local police authorities to investigate you for insurance fraud.  Unfortunately, it is not uncommon for disability insurance companies to engage in this sort of behavior.

Disability insurance companies are known to abruptly cut-off monthly disability insurance benefits after conducting surveillance, including secretly videotaping you doing activities they deem a person with your disabilities should not be able to perform.  These activities could include doing yard work, playing golf or some other sport, dancing, driving, walking without a cane, etc.  Other reasons disability insurance companies use to suddenly cancel disability payments include:

  • Helping your spouse with his/her business on a part-time basis;
  • You are working another job;
  • Posting your resume on the internet in hopes of seeking employment;
  • Running a home based business;
  • Owning and operating any business.

Disability insurance companies conduct secretive investigations into your current life and look for any reason to terminate or suspend your long term disability insurance benefits.  Investigators will "Google" your name on the internet, go through your social media accounts such as Facebook, Instagram, Twitter, Tik Tok, or any other website or blog page you might maintain in order to find evidence against your claim.  Investigators will also search public records, including corporate records and business and professional licenses you may own to try to dig up anything that they can use against your claim.  Investigators may also follow you and call you in hopes of obtaining information that may be used against you in order to cut-off your disability monthly payments.

Be careful!  Disability insurance companies will attempt to misconstrue information about your life to support a denial or termination of benefits.

The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated.

You can reach Miami Long Term Disability Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected]orneys.com.

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