The Dirty Little Secret about Long Term Disability Interviews

Dirty Little Secrets about Long Term DisabilityNancy Cavey, who has written a go to guide on surveillance and completing Activity of Daily Living Forms, knows that there is a dirty little secret about long term disability carriers’ interviews. If for example, you’ve undergone surgery you most likely get these kind of questions:

  1. How is your recovery coming?
  2. What are your current restrictions and limitations?
  3. What are your current symptoms?
  4. What is your current course of treatment?
  5. Does this include a return to work? If not, why not?
  6. How often do you meet with your physicians?
  7. Have you started any physical therapy?
  8. Are you taking any medication? If so, what is the name, dosage and any side effects?
  9. Where do you fill the prescriptions?

10.  If the claimant is operating a business, ask questions about whether the business is still in operation.

11.  If you have partner, ask questions about the partnership.

12.  Ask questions about how often he goes to the place of business.

13.  Ask whether there are any barriers for a return to work?

14.  Comment on the “insured handles himself” during the interview.

You can be assured that the long term disability carrier is going to check to see if the medication is being filled, they’ll check the business license and they’ll probably put surveillance on the claimant as he goes to work. If a long term disability carrier is scheduling your statement you should be represented, don’t be foolish and set yourself up for a claims denial.

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