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When you are making a claim for long-term disability benefits, there is a good chance that the insurance company will hire a surveillance company to track your activities over a period of days. They are more likely to do this if you have a diagnosis which you claim limits your ability to do normal day-to-day activities.

 There are usually two good clues to know whether they may be videotaping you:

  1.  they send you an activities log  and ask that you keep a record of what you do for a week or so.
  2.  They want to know specific details (date/time) of your next doctor's appointment

You should always be brutally honest conservative in describing your limitations to the disability insurance company.

Ben Glass
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Ben Glass is a nationally recognized ERISA disability & life insurance attorney in Fairfax, VA.