Ways Insurance Investigators Try to Trick You and How to Avoid The Traps
Do Not Have Interview In Your Home
Most insurance examiners will try to insist that you have the field interview in your home. They want to come inside your home and take notes on how you live, whether you have stairs, whether your home is tidy, who you have living in the home, etc. Your attorney will advise you to meet at a neutral location to protect you against this.
Be Aware of Surveillance Before and After
Surveillance is a tactic used by the insurance company to find holes in your story. In the days before and the days after your field interview, they will question your neighbors about your daily activities; watch you and follow you to see if you are doing anything that you said you couldn’t. They will record you. Be vigilant.
Don’t Overdo It
Sometimes your doctor may encourage you to get on with your daily life to speed up your recovery; This may be a well-meaning intention by your doctor, but an insurance investigator sees that you are ready to go back to work and not disabled. Although the actual surveillance cannot be used against you, the insurance company will ask your doctor to look at the tape and make comments on your physical activities that can affect your case.
Have Your Attorney Present
You have the right to have your attorney present. An insurance investigator might try to discourage you from bringing your attorney by implying that it is just a simple face to face conversation. Don’t let them fool you. Your attorney is trained to assist you and support you. Having an experienced attorney present will make your case much stronger and keep you from getting intimidated by the insurance company.
Be Prepared For Tricky Questions
The insurance investigators are trained to ask you questions several different ways to trick you or confuse you. They may bring up things from your past like your credit history, child support payments, liens or bankruptcies; This is to make you uneasy and get you to say something accidentally that they can use against you later.
There are some common questions asked by the investigator. They are meant to trick you. Here are a few of the common questions:
- What do you do during the day?
- How is your recovery coming along?
- What are your current symptoms?
- How often do you see your doctor?
- What are your current limitations?
- How are you feeling?
- When do you think you can return to work?
- What medications are you taking?
Work with your attorney to prepare for these questions. The more prepared you are the more comfortable the field interview will be.
Provide Explanations When Needed
The investigator prefers you to answer “yes” or “no” to their questions. But if your response begs a further explanation, then don’t be afraid to speak up and give one. The investigator may try to cut you off or move on to the next question but continue with your answer until you are finished. Also, do not give more information than necessary. Giving them too much information will provide the insurance company the opportunity to twist your words. Answer the questions directly but don’t be afraid to explain when needed. A field interview can feel a lot like an interrogation. Do your best to remain calm.
If you spend time preparing yourself for the interview, it will go smoothly. Let your neighbors know that there is a possibility that an investigator will come to see them to snoop around. Make sure to take it easy and don’t push yourself in the days before your interview. Go over anything that you think may come up during the interview with your attorney. Although field interviews can be scary, you can get through it with the right preparation.
Legal Representation in Long Term Disability Insurance Claims
If you’d like to speak to one of our experienced Long-Term Disability Insurance Attorneys about your denied claim, contact us at (888) 321-8131 to schedule a consultation. Although based in Florida, the Ortiz Law Firm represents claimants across the United States. We can help you evaluate your claim to determine whether you qualify for Long-Term Disability Benefits and how to navigate through the appeals process if your LTD claim has been wrongfully denied or terminated.