Social media platforms are great for connecting with old friends, sharing pictures and keeping up with extended family announcements. But there may be some things you do not want to share online.
When you have a disability and seek long-term coverage, your insurance company can thoroughly investigate you and your condition. This could include checking your private social media accounts for anything that runs contrary to your claim.
Your insurance company could hold your posts against you in your claim
Whether you have an accident or illness that causes your disability, you probably need assistance with your financial situation if you must take time off work to recover. But although sharing your information on platforms like Facebook, Twitter and Instagram may gain you some sympathy from friends, doing so will not likely work in your favor with your insurance carrier.
No laws restrict an insurance adjuster from examining your social media accounts. And in some cases, an investigation could find information or photographs which support information contrary to your claim.
As an adjustor investigates your social media accounts, they might use the information they find to:
- Deny your claim
- Litigate your case
- Uncover information you did not provide when you applied for benefits
An insurance company could also try to use your posts to make a case for a fraudulent claim, stay informed of your recovery and verify their findings. As you go through the process of filing for and receiving long-term disability (LTD) coverage, it may be in your best interest to keep to yourself.