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The long-term disability/ERISA carrier has called you and asked you to give a statement or to come to your house. What are you going to do?
First you really do need to retain an experienced Florida long-term disability/ERISA attorney like Nancy Cavey. We do not allow the long-term disability/ERISA carrier to contact you directly once you retain our services.
The long-term disability/ERISA carrier wants to take your statement for the sole purpose of catching you in a trap that they are building, so that they can justify a termination of your long-term disability/ERISA benefits or to force you to settle your case cheaply.
Most likely, the long-term disability/ERISA carrier already has surveillance film on you. They want to try to catch you by having you say that you can engage in activity that is different than what they have filmed you doing.
After the adjuster or investigator takes your statement, they will spring the surveillance film on you. They’ll try to make you confess that you’ve committed fraud.
If you are arrested for a crime, the first thing the police officers tell you is that you have the right to be represented. The long-term disability/ERISA carrier will never tell you you could hire a lawyer to prepare you for your statement or be with you when they come to visit with you. Be assured, a long-term disability/ERISA adjuster/investigator will treat you like a criminal who has everything to hide.
The first way you can destroy your long-term disability/ERISA claim is by not having representation when the carrier calls. You need to be prepared for this statement. That will involve reviewing all of your medical records so that you know what the doctors have said about your complaint, and what are doctors have said about your physical abilities. It will also involve a review of the Activities of Daily Living forms that you’ve completed.
We prepare our clients so that you understand the statement process, what you’re going to be asked, and how to properly and actually practice answeir the questions you’ll be asked.
Nancy Cavey also requires that any statement be done in a our office and that it be videotaped. I’ve seen too many summaries by long-term disability insurance company investigators that were self serving and completely inaccurate. It’s hard to challenge the accuracy of a summary if you don’t have a contemporaneous videotape of what occurred.
If you don’t live in St. Petersburg area, we can do your statement by videoconferencing.
Don’t destroy your long-term display/ERISA claim or give the carrier a reason to deny your claim by giving a statement to the long-term disability adjuster or investigator without having an experienced long-term disability/ERISA attorney prepare you for that statement in the present. Remember, every American who is charged with a crime has the right to ask for a lawyer. Shouldn’t you protect yourself?
Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-477-3263.
