Reasons For Disability Denials

Why Do Insurance Companies Investigate Social Media?

Insurance Companies Investigate Social Media

Those of you who have profiles on Facebook, MySpace, Twitter, Instagram or other social networks, and who are involved in litigation, should be forewarned that insurance companies have begun to investigate the Internet as part of their surveillance techniques. We witness this phenomenon on a regular basis. Be careful!

How can my social media postings affect my insurance lawsuit?

Be cognizant of the information you are sharing with anyone online, even where it appears that you have control over the reader. Think before you post on social networks. Only say or reveal information that you would agree to share in the course of your lawsuit and, definitely, speak to your lawyer if you have any questions about how your participation on social networking can impact on your case.

How do insurance companies use evidence found on social media to deny claims for benefits?

There’s no doubt that internet-based social networking has shrunk the world in which we live, and has allowed us to stay connected with others, near and far. These social utilities provide a plethora of otherwise unavailable information to keep our “friends” (real or web-based) informed of our whereabouts, our activities and even our daily status. Yet the benefits of staying “connected” can have drawbacks when the information attainable on the world-wide web is used for more than social networking and is, instead, utilized for the purposes of defending an insurance lawsuit. On the basis of information obtained on social networks, we have seen defence counsel argue that various Plaintiffs in disability actions are not as disabled or injured as they have claimed. What may seem to be a harmless comment to update one’s “status” on Twitter or Facebook, or to communicate with a friend on his or her Facebook wall, may ultimately be used against the author where he or she is involved in litigation. While investigations of the Plaintiff (including surveillance) have long-since been used by Defence counsel and insurance companies alike, these tactics are now incorporating searches on various social networks to look for clues about the Plaintiff’s (client’s) day-to-day life. At its worst, any such “clues” may be taken out of context by a Defendant (insurance company) who seeks to portray a seemingly harmless comment or photograph in an unfavourable light to the detriment of the Plaintiff’s claim.

TIPS related to Social Media and your insurance claim:

  • Consider removing your profiles from social-media networks pending the outcome of your litigation. If you are not prepared to do so, know that information about you on these sites may be used against you.
  • Ensure that you employ the maximum privacy settings possible, including not allowing others to view your friends list on Facebook, so as to limit the access that outsiders have to information about you.
  • Be aware that, on Facebook, even where your settings are “private”, non-friends may still gain access to information about you by reviewing the profiles, photographs and walls of your friends (especially those whose settings are less “private”) for information that may pertain to you. Investigators will endeavour to retrieve information about you by accessing your friends’ profiles.
  • Be wary of photographs and videos that you upload to your profiles, as well as your friends’ photographs on which you are “tagged”. A picture is worth a thousand words and may be used by a Defendant (insurance company), out of context, to undermine your case. Un-tag yourself on photographs posted by others, or ask your friends to remove photographs of you that could be used against you. Know that a friend who is “tagged” in your photo album will, in turn, provide his or her friends with access to your album, unless the strictest of privacy settings is selected.
  • Keep in mind that every time you make a comment on Facebook, whether it be on someone’s wall or photograph or as part of a group, your note may be easily accessible to investigators. Keep such postings to a minimum and be cautious about commenting on anything that you would not like raised in the course of your lawsuit.
  • Similarly, investigators can easily ascertain to what “Events” you have accepted invitations over Facebook (whether they be social, recreational or other events), thereby becoming informed of your activities and social calendar. Keep this in mind.
  • As tempting as it may be to change your Status on Facebook or Twitter regularly to reflect the goings-on in your life, we recommend that you not do so. Throughout a lawsuit, it is important for your lawyer to be aware of, information about your daily life that is provided to the Insurance company. Your lawyer will not be aware of, and won’t have control over, information from Facebook or Twitter status updates. A seemingly benign status update, for example, such as “Peter had a great time with his friends at the park today”, can be used to undermine a client’s claim that he has lost enjoyment of life owing to his disability. The Status Update, of course, does not indicate for how long Peter was out at the Park, how much pain medication he ingested that day, whether he required assistance with transportation to and from the park, whether his outing caused an exacerbation in his symptoms thereafter and whether this is the first time Peter has socialized since the accident. Taken out of context, therefore, the comment can have consequences for Peter in the course of his lawsuit.
Have you recently filed a disability insurance claim? Perhaps you already receive long-term disability benefits? You should know that the insurance company may be watching you! Has your insurance company denied your claim? Contact Share Lawyers and put our experience to work for you.We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.

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