We have written about video, photograph and social media surveillance in the past, but have yet to address another kind of “surveillance” that disability insurance companies use when a claim is filed: detailed record searches. When a policyholder files a claim for benefits, one of the first things that claims personnel do is conduct a series of detailed record searches and record requests for all kinds of information on the claimant, including:
- Corporate and business filings;
- Civil court filings;
- Criminal background check;
- General internet search results;
- Workers compensation claims;
- Professional licenses;
- Real estate purchase and sale records;
- Medical records;
- Credit reports; and
- Pharmacy records.
The disability insurance claim process can be daunting, especially when insurers are delving into your personal and professional records. It is always best to have a disability insurance lawyer working to protect your privacy and your rights under the policy.