Info Library

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The Info Library

Welcome!  The Info Library 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: Strategy

Can I File a Long Term Disability Claim If I Get Fired or Laid Off?

Strategy Policies Strategy - Leave Work Protected Coverage

Often, people suffering from serious medical conditions will attempt to work beyond the point of being unable to successfully fulfill their job duties. While commendable, this mindset of working through your declining health can backfire if you get terminated or laid off.  Many people ask, “Can I still file a long term disability claim through my employer if I get terminated?”

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Five Ways to Win Your Long Term Disability Appeal

Strategy Strategy - Appeal a Denial

You must strategize to win your long term disability appeal under ERISA. One misstep is all it takes to result in a final denial necessitating litigation. These five steps will help you plan to win your long term disability appeal.  

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Is Your Disability Insurer Monitoring Your Social Media? [Insider Tips]

Strategy Strategy - Surveillance

It’s becoming increasingly common for long term disability insurers to spy on claimants’ social media accounts. Accessing social media accounts is generally an easy and inexpensive for insurers to get personal information about disabled claimants and their activities. Many social media profiles contain vast amounts of personal information from which the insurer may draw negative conclusions.

Unfortunately, it works. Every year, the insurance companies save money by denying claims based on evidence obtained during social media searches.

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Sneaky Surveillance Tactics Used to Deny Long Term Disability Benefits

Strategy Strategy - Surveillance

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Stock video courtesy of Videezy / Music courtesy of Bensound


Long term disability insurance companies spend millions of dollars annually to spy on their claimants.  In conducting surveillance, the insurer wants to “catch” you performing activities that are inconsistent with your disability claim.  If the insurer is successful, it will use the damaging surveillance as “evidence” to deny or terminate your long term disability benefits – saving the company money in the process. 

The insurance companies see surveillance as a worthwhile investment to increase the company’s profitability.  Unfortunately, it works.  Every year, the insurance companies save money by denying thousands of long term disability claims based on evidence obtained during surveillance.

How far will the insurance company go to spy on you?  You might be surprised.  Learn the top 10 sneaky surveillance tactics used by long term disability insurance companies below.

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Top 10 “Red Flags” That Endanger Long Term Disability Benefits

Strategy Strategy - Continuation of Benefits Strategy - Maintain Benefits

Do you know the red flags that can trigger termination of your long term disability benefits after approval?  You should.  Raising just one of these red flags may be all it takes to be left without critical income for you and your loved ones.  Learn the top 10 red flags insurance companies use to terminate approved claims below.

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