How Can the Surveillance Company Positively Identify the Long Term Disability Claimant?

Long Term Disability carriers spend a lot of money to get pictures of Long Term Disability applicants or recipients so that they can ultimately deny Long Term Disability benefits. They have to make sure they have the right person! How do they do that? The Long Term Disability carrier may provide the surveillance company with a picture of you. The surveillance company will then attempt to match your photo and do at least six other things:

1.    Overhear you state your name to someone.
2.    Overhear someone else call you by name and you acknowledging your name being called.
3.    Exiting a residence they believe to be yours.
4.    Drive a vehicle known to be registered to you.
5.    Attend a known scheduled appointment.
6.    Report to work.

Long Term Disability carriers require that surveillance companies confirm that there has been a positive identification. But if they can’t, the surveillance company may issue a “qualifying statement.” The statement might read “a subject was observed to fit the general description provided by the claimant and was observed to be leaving what is believed to be the claimants residence. However, the subject wasn’t positively identified, as done by the surveillance investigator.”

If you believe you are the victim of Long Term Disability surveillance, contact Nancy Cavey, the Long Term Disability surveillance investigator expert. Surveillance is just a pretext to ultimately terminate your benefits. Be educated about these statements and surveillance by ordering a free copy of Nancy Cavey’s book, which can be found at her website.