Do You Have a Disability Case?
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Travelling On Long Term Disability: What You Need To Know

Travelling On Long Term Disability: What You Need To Know

Traveling is a wonderful way to experience new cultures, foods, and sights. Whether it’s to see a whole new place for the sake of knowing what it’s like, or making the journey to visit friends and family, experiencing time in new places can be rewarding, rejuvenating, and provide lifelong memories! For those on Long Term Disability (LTD) planning a vacation can have some complications. Your insurance company may see traveling as being inconsistent with being disabled from gainful employment, so it is very important to know the correct measures to take when planning a...
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A Roundup of Our Top Posts About Chronic Pain

A Roundup of Our Top Posts About Chronic Pain

Chronic pain is usually defined as recurring pain that lasts longer than three months. The causes and area affected are varied, but it’s a condition in which the nervous system continuously sends pain sensors to your brain. There are many methods of treatment; however, in most cases, it is not a definite solution, but a way to manage the pain. Many of our clients with chronic pain have had their claims denied because of a difficulty in diagnosis. It can often be difficult to diagnose chronic pain – as with other invisible disabilities – and these...
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What is Surveillance in Disability Insurance?

What is Surveillance in Disability Insurance?

Have you recently filed a disability insurance claim? Perhaps you already receive long-term disability benefits? You should know that the insurance company may be watching you. Surveillance is standard practice for insurance companies, as their ultimate goal is to deny your claim or terminate your existing benefits. To build a case against you, the insurance company will often check in on you to ensure that you’re not lying or exaggerating your insurance claim. With the summer season just around the corner, you will likely be spending more time outdoors with family and...
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Tips for Applying for a Disability Claim: Part 2

Tips for Applying for a Disability Claim: Part 2

This post, which includes tips for applying for a disability claim, is the second in a three-part series of blogs on the do’s and don’ts involved in your claims process. Click to read the first blog of the series. Tips For Applying It’s important to inform yourself of the pertinent information and timelines for the claims process. It’s also essential that you organize your documents and meet the deadlines for submitting them. It is also critical that you file your claim in a timely manner to avoid missing deadlines. It is also in your interest to keep records...
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Surveillance and the Law: Is Someone Watching You?

Surveillance and the Law: Is Someone Watching You?

Most of us associate surveillance with some sort of law enforcement effort, but over the years, insurance companies have relied on surveillance to help them defeat specific claims. You’re probably wondering whether or not the insurance company has the right to do this in the first place. As unfair as it sounds, the law does allow them to engage in limited surveillance. An insurance company may shoot video, take audio or take still photographs of person anytime they are in a public setting. This includes common activities like going out to eat or going out for a...
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Insurance Company Surveillance Tactics

Insurance Company Surveillance Tactics

Insurance companies regularly conduct surveillance on individuals who have filed a claim for long-term disability benefits or who are currently receiving benefits. They conduct surveillance to combat fraud and avoid paying benefits by finding evidence to dispute illness or injury claims. Surveillance is used more frequently in high-benefit claims and in claims where the alleged disability is “invisible”, such as with mental illness or chronic pain claims. Claimants should be aware that as soon as they file an insurance claim based on an illness or injury, they...