Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many disability insurance claimants don’t know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens – or even send social media friend requests from fake accounts – to glean whatever information they can about the claimant’s physical limitations and disability symptoms. The experienced attorneys at Dell Disability Lawyers have handled thousands of claims with dozens of different insurance carriers, leaving us familiar with the surveillance tricks they use. What should claimants know about surveillance in long term disability claims to avoid a disability denial?

A disability claimant should have no expectation of privacy on social media from a disability company.

Today, more and more Americans are on social media accounts like Facebook, Twitter, and Instagram. When it comes to your social media accounts, it’s a good idea to live by the mantra, “don’t post anything you don’t want your disability insurance carrier to see.” Even if your posts are limited to friends or connections only, there can be ways for these insurance companies to access them (such as by creating a fake account and sending a friend request). Once there’s a screenshot in your file that reveals any level of inconsistency in your disability application, it’s there for the life of your claim.

You do not need to live in fear of video surveillance if you are always honest about your limitations.

With most long term disability claims, the question around video surveillance is not “if,” but “when.” Because this surveillance is all but impossible to avoid, it’s important for claimants to always be honest and consistent when stating their physical limitations. Claimants may be compelled to exaggerate their symptoms and limitations (or base their questionnaire answers on how they feel on their worst days, not their typical days) to improve the odds that a claim will be approved – but this overstatement can actually improve the odds that your claim will be denied once the video surveillance damages your credibility.

Disability insurance companies conduct video surveillance in order to challenge your credibility.

Video surveillance is most common in claims of total disability. Representatives of the disability insurance carrier may park blocks away and use telephoto lenses to take detailed pictures from a distance. They may also follow you while you go to the grocery store, pick up your kids from sports practice, or head to the airport to leave on a trip. The insurance carrier wants to establish some sort of inconsistency between the statements you made on your claim questionnaire (and your physician has made in your medical records) to give it a reason to deny your claim.

You should never exaggerate or overstate your symptoms or limitations.

Again, it’s crucial not to overstate your limitations to your disability insurance carrier. Once you do, it can be tough to remember what you’re “allowed” to do – and what you can be seen doing. Trying to avoid walking outside or driving for more than a few minutes can be mentally and physically exhausting, whereas being honest about your symptoms and limitations means you can simply go about your normal life without worrying about receiving a claim denial letter for a disability denial.

If your disability claim has been denied you should always request a copy of the video surveillance.

As a disability claimant, you’re entitled to see a copy of your claim file – including any video surveillance that was generated as part of the claims review process. Seeing the video surveillance the long term disability carrier used to deny your claim can give you a better idea of what you’ll need to argue to succeed on appeal. For example, the surveillance may be out of context, outdated, or even of someone else entirely, such as a friend driving your car to go pick up your child from school or get groceries.

If your claim has been denied because of some video surveillance, Dell Disability Lawyers can help you get back on track. Visit our website to read about how we’ve helped others, check out some of our informative videos, and then give us a call to set up a FREE consultation with one of our experienced attorneys.


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Showing 8 of 642 Reviews
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
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Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

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Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

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Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

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When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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