Can a Disability Insurance Company Conduct an Interview in Your Home?

I am regularly asked with regards to field interviews in a long term disability insurance claim whether a claimant should allow a long term disability insurance field rep to come into their home and do a field interview.

In almost all of these field interviews the disability insurance company will request to do it at your home. I would tell you that you should absolutely not to do this interview at your home unless you have such a condition like you are bed ridden and you can’t get to another location.

If you are in that condition it is likely that they will never ask you for a field interview but if you are not in a bed ridden position which is the way most people are who are on disability, you should arrange to have your field interview done at another location such as an office or another remote location that has a more professional environment where these insurance companies can’t come into your home, see your family, see the way you live, see your cars, see all of your assets and then try to judge the book by its cover.

So, the bottom line is, don’t let the disability insurance companies into your home.