Is your insurance provider watching you?

Is your insurance provider watching you?

Surveillance is a scary word that conjures up images of hidden security cameras and invasive science fiction. The reality is rarely quite that dramatic, although surveillance can still pose a threat to your long term disability claim. If you file for benefits, insurance providers will often try to gather evidence that implies that you should still be healthy enough to work, which would give them grounds to deny your claim.

So what do we mean when we talk about surveillance in an insurance context?

“Insurers will use surveillance…to find tidbits of information that would allow them to conclude that you do not have the limitations that you are trying to convince the insurance company you have,” says Kirk Sloane, a Lawyer at Share Lawyers.

That doesn’t mean they’ll be doing anything illegal. Most people now have a massive digital footprint, and large volumes of personal information are readily available on social media. For the most part, that’s not necessarily a problem, if only because your Facebook profile just won’t be all that interesting to someone you’ve never met.

Your insurance provider, on the other hand, will be incentivized to dig up anything that will help their case and will look under rocks that other people would never notice. They won’t wiretap your phone or install security cameras in your living room, but they will conduct a basic Google search and follow your social media profiles to see what you’ve been up to. If you’ve filled your Instagram page with glamourous shots of your various social outings, they can argue that your disability shouldn’t affect your work schedule if it doesn’t disrupt your recreational activities.

In more extreme cases, they’ll also try to find information that isn’t on social media.

“[Insurance providers] will hire private investigators to see what you’re up to,” says Sloane. “That doesn’t mean that they’re watching you inside your home, but they do have the ability to watch you while you’re outside the home in a public place, whether that’s your front yard, the grocery store, or the park.”

In such cases, the general goal is the same. Your insurance provider is trying to find evidence of you doing things that would seemingly be at odds with your disability, which can, in turn, be used to avoid paying your claim.

The takeaway is that anything you do in public could potentially make it back to your insurance provider, so you’ll want to avoid anything that could be misconstrued by an insurance company. You don’t need to stop living your life but you do need a degree of self-awareness about the way your actions will be perceived.

If you’re unsure about something, Share Lawyers is happy to answer any questions you may have about the tactics of your insurance provider. We have over 30 years of experience dealing with cases that involve surveillance, so we can alleviate your concerns and help you demonstrate the validity of your disability claim. 

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against Manulife, Fenchurch, La Capitale, Equitable Life, Cigna, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.