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The Disability Wiki

Welcome!  The Disability Wiki is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation.  In other words, a "Wikipedia" for disability claims.  If you would like to automatically receive new posts, please subscribe below.

 

 

Category: Benefits - Interview with Insurance Company

Preparing for Your Interview with the Insurance Representative

Benefits Interview with Insurance Company Interview with Insurance Company Maintain Benefits

The insurance company representative assigned to your claim called you yesterday and left a message that they want to interview you.  You couldn't sleep last night worrying your long term disability claim is about to be terminated.   You are not sure if an interview is typical or not, but its sounds very threatening.

 

Don't worry, you should not necessarily be alarmed.  An insurance company interview is a fairly common part of the claims process.  Indeed, it happens with about 50% of the clients we represent.  While typical, you need to be prepared to explain you disability prior to the interview.

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Long Term Disability Claimant Tip: Avoid the "Typical Day" Trap

Benefits Interview with Insurance Company Apply for Benefits

Disability insurance companies will often ask you to describe a "typical" day. This is a trap for claimants who suffer from a condition with variable symptoms. If you have such a condition, you generally have "bad" days and "better" days. You may have days when you are feeling so bad that you must stay in bed all day, but you may also have days in which you could perform limited activities. You should tell the insurance company both what you can do on your worst days and what you could do on your better or best days. Be careful about the terminology that you use. Do not substitute "good" day for "better" or "best" day. When you describe a day as a "good" day it implies that on those days you are symptom free, which may not be the case.

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