Your long term disability claim case manager is not your friend, your advocate, or your confidant. Don’t be fooled. No matter how empathetic, how friendly or how helpful your case manager appears to be, your case manager is your adversary. What you say, can and will be used against you in not only your claim, but in any legal proceeding in the future. Be careful.
Insurance companies make money by collecting premiums, not by paying out benefits. Disability insurers are every bit as bad as the HMOs described in Michael Moore’s recent movie “Sicko.” They do everything they can to reduce the amount of benefits they must pay. One common tactic is to lull claimants into feeling safe and secure by assuring claimants that they are there to help—as if they were part of the team assigned to get the claimant through this difficult time.
What should you do? Be courteous and cooperative, but also be careful. Nothing you say is off the record. Everything you tell the case manager will be evaluated, i.e. could it help support a denial of your claim.
Because what you tell the case manager is so important, think about what you are going to say before each time you speak with case manager. If you are called at a bad time, ask the case manager to call you back when you had an opportunity to better gather your thoughts.
For more information on applications for long term disability benefits, please see the obtaining benefits section of our website.