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FAQs
Frequently asked questions
How long do I have to appeal a denial?+
What does 'no upfront costs' mean?+
Can I appeal if my benefits were cut off years ago?+
What's the 24-month mental health limitation?+
Do I need a lawyer for my appeal?+
Downloads
Free downloadable guides
LTD Appeal Checklist
PDF, Free download
How to Talk to Your Doctor About Your Claim
PDF, Free download
Understanding Your Disability Policy
PDF, Free download
Timeline & Deadlines Guide
PDF, Free download
The 24-Month Change of Definition
PDF, Free download
What to Know About Insurer Surveillance
Yes, your insurance company may be watching you.
What Insurers Do
- Hire private investigators
- Monitor your social media (Facebook, Instagram, LinkedIn)
- Film you in public places
- Document activities (grocery shopping, walking, driving)
- Use footage to contradict your disability claim
What's Legal
- Filming you in public places
- Reviewing your public social media posts
- Documenting activities visible from public streets
What's Not Legal
- Trespassing on private property
- Entering your home without permission
- Hacking your accounts
How to Protect Your Claim
- 1Assume you're being watched in public
- 2Set all social media to private (or delete accounts)
- 3Don't post photos of activities, even on "good days"
- 4Tell family/friends not to tag you in posts
- 5Be honest about your capabilities (a "good day" doesn't mean you're not disabled)
- 6Document the FULL picture (show bad days, not just moments)
What If You're Caught on Video?
Don't panic. Surveillance footage often lacks context:
- A 2-minute video doesn't show the 3 days of recovery after
- Grocery shopping does not equal ability to work 40 hours per week
- Walking does not equal ability to sit at a desk all day
We rebut surveillance with medical context and functional evidence.
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