The Dangers of Social Media and Disability Insurance Claims
It is without question that we live in a world that is often driven by social media. For a multitude of reasons people are becoming increasingly more willing to make what used to be private facets of their lives open to the public. Often the information being shared projects an image of what we want people to see as opposed to the burdens and hardships just below the surface. With the prevalence of social media this scenario can have disastrous effects for people who are on short or long term disability insurance claims- be it under employer provided ERISA governed disability policies or individually purchased disability policies.
Regardless the nature of your policy or claim there is one certainty- your disability insurance company will be searching social media accounts such as Facebook, Twitter, Instagram, LinkedIn, etc. to gather additional information for review as part of its determination of your eligibility for ongoing benefits under a disability insurance policy. At Dell & Schaefer we are seeing a noticeable increase in denials of benefits, which reference information an insurance company found on a claimant’s social media account.
As the vast majority of disability insurance denials are under employer provided policies governed by ERISA, the information being gathered from social media is especially harmful as the appearance of impropriety is often hard to separate yourself from. A person’s doctors may provide evidence and opinion as to the inability to work; a claimant can provide detailed narratives of restrictions and limitations related to the ability to work or even day to day activities- but all of that can be compromised by a simple Facebook search that shows pictures of people engaged in activities that an insured and his/her doctors have indicated the inability to do. The insurance companies will give a great deal of weight to physical visual proof and evidence of activity as opposed to what they are told by an insured or doctor. In a way these social media findings are the “new” video surveillance and are typically far more damaging than video surveillance.
What can you do to lessen the scrutiny of insurance companies into your daily life?
To be clear, we are certainly not saying that a person cannot have a social life or that what is found on social media pages is a complete picture of one’s physical, emotional or mental abilities- but we are warning you that the adage of appearance is everything rings very true with social media posts. The easiest step you can take to guard yourself from an insurance company viewing your accounts is to ensure you have proper privacy settings in place.
Additionally, for social media accounts driven by Followers such as Twitter and Instagram be cognizant of the people you allow to follow you and the information you broadcast. Finally, the most applicable suggestion, before you post pictures or updates consider how these posts will be perceived, especially by your disability insurance carrier.
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Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.