After an injury, debilitating illness or a serious car accident, the long term disability insurance company may have an insurance adjuster call or sometimes come to see you in person to get your recorded statement. A recorded statement is essentially a recorded interview and can be used as part of the adjuster’s investigation of your claim for disability insurance benefits.
Should you give the insurance adjuster or investigator a recorded statement?
No - at least not without an experienced lawyer representing you or without knowing your rights.
Remember, insurance adjusters work for the insurance companies and their job is to limit and even deny benefits - they want to reduce the amount of money the insurance company has to pay you. So they WILL use the recorded statement against you if it is inconsistent in any way. You can tell the adjuster the same situation ten times but if there’s something slightly different about how you explain the situation on the tenth time, the adjuster can and will use that against you.
Plus, you may not know the answers to several questions about your medical condition, and those should be addressed to your doctor, but most people want to be helpful in an interview situation, so they guess or do their best to answer questions they really don't know the answer to. Another problem is preparation - how many times have you had a conversation or been asked a question and later wish you had said something or answered differently? We all do that - it's natural that the best answer will come to you after you've had time to consider it, not in the heat of the moment.
This has nothing to do with whether your claim is legitimate and your injury or medical condition prevents you from working - it's about how you best present the evidence, according to the specific language of your long term disability insurance policy, to the disability insurance company. They are the ones making the initial decision on whether you qualify for long term disability benefits and deciding your appeal if your claim is denied or your long term disability benefits are terminated.
We have a process for analyzing and presenting the evidence for you on appeal and part of that evidence would be an interview of you and transcription of your story - and there are reasons why it has to be done right at that stage of your claim - most of all, you don't get a "second chance" to add evidence to your appeal later.
That is why it’s important to either get all of the information you need to help yourself or if your injury or medical condition is serious, have an experienced attorney to guide you through this process. Insurance companies will use any little trick or tactic they can think of to limit, delay and even deny your legitimate claim.
Download the report "Claim Denied - the Ugly Truth About Long-Term Disability" or call us today at (202) 393-3320 to learn about the other different resources we provide to make sure insurance companies don’t force you to make a mistake that hurts you and your family.
And if you received a denial letter from the insurance company - a letter denying or terminating your claim for long term disability benefits - call us today so we can analyze it for you and give you our recommendations on filing your appeal, (this analysis is both confidential and free). But don't wait - if your long term disability policy is governed by ERISA, you only have 180 days to appeal and there is a lot of work to do.