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Got an interesting call recently. A client who is a medical surgeon who's disability involves fine motor skills still plays golf. (That's OK, hitting a golf ball into the woods does not compromise patient safety!0
He has a claim with a major disability insurance company. The field rep came around for a visit and asked about golf. The client answered appropriately and truthfully.
The disability investigator said "that's exactly what all these golf scores say!"
Pretty scary stuff. Your life is an open book.
North Carolina personal injury attorney Brent Adams has this to say about
Robbery Without a Gun, my popular book which exposes the disability insurance companies' tricks:
At first blush, you may feel the title is outrageous. However, upon reading the book, you will realize that Glass has probably understated the mass deception that results from employers and insurance companies “stealing” hundreds of millions of dollars each year in disability insurance benefits which should have gone into the pockets of disabled employees and their families.You can read more about what
Brent Adams said about Robbery Without a Gun here. Nancy Cavey has a great discussion about disability insurance companies spying on you and videotaping your activities. There are some real clues to know when this will happen and
Nancy discusses this here.If you are thinking about filing for disability under your employer's long term disability insurance policy, you are bound to get some "advice."
Beware.
Some of that advice can sink your claim.
Read about
ERISA disability insurance myths here. Get your own copy of
Robbery Without a Gun here.
Tampa long term disability attorney Nancy Cavey has an excelent post over at her website about what to do when the disability insurance attorney wants to come pay you a visit. As Nancy points out, this is almost never good news.
Beware, this "friendly visit" probably means that they already have you on video. These companies are tricky.
Nancy Cavey is the best long term disability attorney in Florida.
Read her post here.Insurance companies routinely require disability claimants to apply for social security benefits, even though they know that the vast majority won't qualify.
Now, a federal jury has found Unum guilty of fraud in some cases where Unum has required the claimant to go through this time and energy wasting process.
The story in today's New York Times is here.If the activity in our office is any reflection of what's going on nationally, the disability insurance companies seem to be ratcheting up the screws recently. We've seen everything from sudden terminations of long-running claims to companies denying claims without any appropriate medical review (or anything close). Video surveillance seems to be on the increase as well.
I explain the rip off of group disability insurance policies issued through employers and governed by ERISA in my book,
Robbery Without a Gun, Why Your Employer's Long-Term Disability Insurance Policy May be a Sham.. A major individual disability insurance company (i.e. they don't sell these crappy, worthless group policies) just placed a major order for my book (probably to give to its sales agents.)
I get this question all the time. Is my employer's disability insurance plan "good enough" or should I buy one of those individual policies?
The answer is that if you want any real coverage, and can afford it, get an individual policy. Most group policies are virtually worthless.
There's a couple of
financial writers who commented on this recently. You can see my response to their article as well.