long term disability interview questions and answers

You establish an income backup plan when you buy individual long-term disability insurance or receive group disability coverage at work. If you become disabled, you anticipate that your insurer will timely pay your claim. Unfortunately, it’s never that simple. You must provide timely notice of your claim and produce comprehensive proof of your disability. You must also be careful each time you interact with the insurance adjuster or anyone else involved in handling your claim. When you say the wrong thing, sometimes insurance companies deny your claim.

Common Interview Questions
  • Has Your Condition Changed? …
  • How Do You Spend Your Day? …
  • What Are Your Symptoms? …
  • When Did Your Inability to Work Begin? …
  • What are Your Hobbies and Activities? …
  • What Are Your Plans to Return to Work? …
  • Have You Traveled Recently? …
  • How Long Can You Do Certain Activities?

Answering Common Long-Term Disability Questions (how much will I receive?)

What Questions Will the Interviewer ask?

The insurance company will likely ask you several softball questions. These questions establish a record of your responses and to “size you up.” Sometimes, the interviewer already knows the answers. The interviewer has access to your medical records and other data. Sometimes, the insurance company has a comprehensive background report about you, and sometimes surveillance. Insurance companies love searching social media, so if you have been posting, something we caution against always, your answers must be consistent with your postings.

Expect softball questions are along the lines, “What medications are you taking?” “What are the names of each of your treating physicians?” “When is your next medical appointment?” “When was your last medical appointment?”

Now the harder questions:

Long Term Disability Attorney Nancy Cavey who has written the go to guide on surveillance and completing activity of daily living forms, knows that there is a dirty secret about long term disability insurance carrier interviews. If, for example, you’ve undergone survey, you will most likely see these kinds of questions:

You can be assured that the long term disability carrier is going to check to see if the medications are being filled, they will check the business license and they’ll probably put surveillance on the claimant as he goes to his 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. Give us a call today to get started with your claim. 727-894-3188 or use the contact form on the right side of this page.

Ask About Your Entitlement To Other Benefits

When the insurance company approves your disability claim, ask about other available benefits like life insurance waiver of premium. If you qualify for additional payments, your inquiries may lead to additional company-sponsored benefits.

When you’re dealing with a long-term disability adjuster, you can find out about additional benefits through a Summary Plan Description. If you need to know about other benefits, review your SPD or contact an ERISA disability lawyer to analyze it for additional entitlements or questions.

FAQ

What should you not do in a long term disability interview?

What NOT to Tell Your Individual or Group Long-Term Disability Insurance Adjustor
  • Insurance Companies Never Stop Investigating You. …
  • What Is The Wrong Thing? …
  • Don’t Discuss Your Job Dissatisfaction. …
  • Don’t Share Your Vacation Plans. …
  • Don’t Share Any Travel Plans, For That Matter. …
  • Don’t Talk About Sick Family Members.

What do you say to long term disability?

When you provide your response, be sure to use precise language. Do not say, “I cannot sit for a long time.” Instead, say something like, “When I sit for more than 20 minutes, my lower back starts to really hurt, and I have to stand up and move around.” Be specific and quantify your answers accurately.

What should I say in a disability interview?

Ask them to describe what they have seen in detail. Bring statements from family members, former co-workers, etc., and write one yourself. Your goal is to make your everyday life living with a disabling condition crystal clear to SSA, so that they will have no doubt of your need for Social Security disability benefits.

What questions should I ask long term disability?

8 Most Important Questions to Ask Before Buying Disability…
  1. How does the policy determine if I’m disabled? …
  2. If disabled, can I earn an income in a different occupation? …
  3. When do disability benefits begin? …
  4. How long do benefits last? …
  5. Are partial disabilities covered? …
  6. Will the benefit keep pace with inflation?

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