Long Term Disability Carriers Use Surveillance to Sabotage Your Case

Long Term Disability carriers routinely use video surveillance. Why? They use the surveillance to document what you do during your day, including the activities of daily living, such as running errands, filling up your gas tank, going to the bank.

While this minimal activity doesn’t necessarily establish that you are capable of working, what it can be used for is to sabotage your case. How so?

The Long Term Disability carrier has you complete activities of daily living in which you are to accurately document what you are physically capable of doing. If in that form, or in a statement, you tell the Long Term Disability insurance company that you “always use a cane,” or that you always “limp,” and the surveillance shows you walking without a cane or without a limp, you are in trouble!

While walking without a cane or without a limp doesn’t mean that you can work, it does destroy your credibility.

In the book Robbed of Your Peace of Mind it talks about how to complete Activity of Daily Living forms, I emphasize that you should “never use the word never.” Never use the word “always.” Tell the truth, you have good days and bad days, and there are days that you can do more. Activity level is dependent upon your pain and your medication.

Don’t be the star in a surveillance horror show. Don’t let the pictures of what you are doing in your daily routine contradict what you said to the Long Term Disability carrier and your doctors.

For a free copy of the book Robbed of Your Peace of Mind, and information about your Long Term Disability claim, contact Nancy Cavey, your Long term Disability denied lawyer by phone at 727-894-3188 or at caveylaw.com.

Mistake 19 – Restrictions and Limitations – Your Daily Activities | Pinellas Park Long Term Disability Lawyer

When you apply for long-term disability benefits I’m sure you never thought you’d have to explain what you did inside and outside the house. What does that have to do with your inability to work?

Well, long-term disability carriers like to compare your complaints to your doctor with what are able to do around your home to see if there are any inconsistencies. They’ll also use your responses to put surveillance on you see if you are telling the truth. Their version of the truth doesn’t always match up with reality

A  long-term disability Activity of Daily Living Form will ask questions about both the inside and outside activities.

In regard to your inside activities you will be asked about cooking, cleaning, use of the microwave, laundry, dusting, and other household activities. I am sure that you have difficulties doing these things because of your pain, limitation of motion, or other problems associated with your disabling condition. You may have to break up these tasks or have someone help you. You may no longer cook meals and rely on the microwave. You may have hired someone to clean your house.

The activities of Daily Living Form will ask you what you’re able to do outside of the house such as driving,  taking out the garbage, gardening, weeding, or cutting the lawn. Just make sure that what you’re doing is consistent with the restrictions that your doctors placed upon you. You might have to pace yourself or even have assistance.

Give a broad answers to these questions explaining that your activity depends on how you feel and the side effects of any medication. Make sure you’re treating doctor knows the extent of your physical activity.

For assistance in completing long-term disability/ERISA activities of daily living forms and preparing for a disability statement, contact an experienced disability Attorney, like Tampa Bay lawyer Nancy Cavey to make sure you are prepared for this important event in your long-term disability claim. She can be reached at 727-894-3188.

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