The job of long-term disability insurance adjusters is to evaluate claims and determine whether to approve or deny them. Adjusters consider a large amount of information and evidence in making these decisions. A great deal of information comes from the claimants. As a result, claimants may spend significant time speaking with adjusters, which can lead to conversations that are harmful to their cases. Therefore, claimants must keep in mind that insurance adjusters are NOT on their side, no matter how friendly or helpful they may seem.

For instance, applicants for long-term disability benefits should not discuss vacation plans, travel plans, or recreational activities in which they continue to participate. If claimants indicate that their medical conditions do not stop them from playing racquetball once a week, the insurance adjuster could use that information to support a denial of their claim. Likewise, talking about an impending vacation may arouse suspicion that claimants intend to use proceeds of a successful disability claim to fund their vacation.

Claimants may wish to avoid talking about their day-to-day activities unless they are indeed representative of a regular day. Describing a day on which you helped a family member move, or you watched your grandchildren on an unexpected day off from school can be highly misleading to an insurance adjuster. Detailing these activities can create an impression that you are capable of more physical activity than you are admitting.

You also should refrain from saying anything suggesting that you wish to leave your job for any other reason than your disabling medical condition. For example, you do not want to tell the insurance adjuster that you need disability benefits so that you have more time to care for a sick parent or child. You also do not want to highlight other job-related issues, such as conflicts with your supervisor or problems with co-workers, which might cause insurance adjusters infer that you wish to leave a bad job, not that you are unable to perform your job. You should try to keep the conversation as focused on as possible on your medical conditions and how they limit you from completing the substantial and materials tasks of your job.

If you need to apply for long-term disability benefits, you may greatly benefit from calling us today and getting the advice that you need. Bonnici Law Group has the experience and knowledge that is invaluable when applying and qualifying for long-term disability benefits. When you need answers, contact Bonnici Law Group today at 858-261-5454. As we focus our efforts on long-term disability claims, we know how to protect your rights and build a strong demand for compensation in your case.