Description: This passage is mainly about liberty mutual login. In this passage, the writer discusses actions that disability claimants can take in order to prevent video surveillance from resulting in a disability claim denial.
I’m Greg Dell joined today by Stephen Jessup, and today we want to talk a little bit about some trends that we’ve been seeing lately with Liberty Mutual Disability Insurance Company, Steve, what’s some of the stuff that you’ve been seeing going on lately with Liberty Mutual? We’ve touched upon in other videos with respect to video surveillance.
Hartford being one of the top ones, but there are more and more of the ERISA denials, and I’m seeing that there is video surveillance that’s being conducted and as opposed to what Hartford seems to do, when we’re reviewing the claim file, Liberty Mutual seems to be a little more focused and it’s in its scope with respect to a lot of times.
When you’ve seen it, they’re taking claim forms, there are claim forms being submitted, I’m not saying that they’re lying, but they may be trying to sell the disability too much where they’re saying that I can never do that, I have to walk with a cane, I can’t lift anything up over my shoulder, they’re trying to sell the disability.
So when you see the video surveillance all of a sudden in the claims filing machine, and the insurance company is drawing back to the latest claim form that they have and then using it with the video surveillance, then they’re sending out for their review, so are you saying that you’re seeing an increased amount of video surveillance from Liberty Mutual lately?
It seems that in the most of the cases, I’m handling for risk of Appeals, there’s a video surveillance and a good number of them, it seems that you’re saying that there’s a problem when a claimant might be exaggerating or overstating their symptoms, because they think that it’s going to make their claim look better.
Then they get seen on video surveillance doing something in a manner that they don’t explain exactly in their claimant statement, they don’t explain exactly in some cases, it’s downright the complete opposite of it, so you always have to be cautious in filling out those forms and what you’re holding out to the insurance company.
Because there’s a good chance, at some point, they may put you under surveillance to try to catch you and the way that they phrase it is a lie, it may be that you are having a proverbial good day but the insurance company is going to take a look at that you’re lying to us, you’ve been lying to your doctors, you’re not being truthful, what you can and can’t do is not truthful.
Therefore any of your doctors’ opinions even the correlation can’t be relied upon when determining whether or not you continue to be disabled under the policy, so for someone who has a Liberty Mutual policy and they’re watching this video, what would you recommend they do with their claim in order to avoid any problems with video surveillance?
I think when it comes down to anything, honesty is the best policy, your medical records are going to speak for themselves, and if you’re doing something, that’s going to put your medical records even into question, all what you’re doing is hurting yourself, so when it comes to filling out those claim forms, it seems to ask me the same thing that I did last month.
You go through it, but in all reality, that’s forming the basis of how that claims going to proceed, so you have to be extremely cautious on what type of information that you’re presenting to the insurance company, and for these claimants who have Liberty Mutual policies, how often should they assume that?
The company is watching them on video, I think that it will be hard to say how often, but I think from any standpoint on an ERISA claim, you’re going to see the most majority of the denials, they’re going to come on application, or when you’re nearing the end, when they’re going to view for any occupation, usually it’s an inception.
If it’s a two-year own occupation period during the months preceding, six months before that, there’s a possibility that you can be subject to surveillance, I also see a lot of surveillance done around the time, they request an independent medical exam or compulsory medical, and we’ve seen the medical records or we’ve seen the video surveillance.
Sometimes, people will walk to the exam with a cane, and then when they leave, they’re walking with the gun in their hand and getting in their car, because a claimant happens to be seen on video surveillance, does it mean that they’re automatically going to get denied benefits? No, I mean that we’ve seen plenty of video surveillance and there is so much ado about nothing.
Sometimes we’ll get a claim file, the denial letter doesn’t mention the video surveillance, we get the claim file, we see that they have done it and they have caught absolutely nothing, so it’s a matter of what you’re representing to the insurance company, and if they catch you doing the opposite, they’re going to hold on to that and they’re going to use it against you.
So I think that the bottom line is to tell the truth, don’t do things that you’re telling the insurance company that you can, and you shouldn’t have any problems, if the disability carrier sees you on video and thinks that it’s contrary to what you’re able to do, and you’re having a good day or you are taking pain medicines, or you have had an injection the day before, that’s certainly something that could happen.
So you don’t need to be tremendously concerned that and their denials, so if you have a claim with Liberty Mutual, you’re there, you’re on claim or if you’ve been denied, feel free to call us and we’re happy to discuss about your claim with you.