A career-ending long-term disability (LTD) can be among the most important events in life. It doesn’t help when you’re denied the insurance payments you are owed. How much could that money really mean to a huge insurance company?

The answer is in the numbers. Your case means the amount you stand to receive in benefits and the company would rather not pay the bill if it doesn’t have to. They can easily use your social media against you, but only if you let them.

Companies said to be skilled and bold

A company wanting to deny your LTD claim may try to make you look as if you’re not really disabled or not as disabled as you say. A columnist for Plaintiff Magazine and specialist in the area asserts that LTD carriers depend on social media and have learned every trick possible to exploit whatever they can find out about you.

They’re skilled and practiced at determining the date and time you deleted something from the internet and exactly what the post said or showed. According to the columnist, they’re willing and able to use social media accounts to guess where you are or will be. And they may show up in disguise and with cameras.

Tactics can be surprising, misleading and hard to counter

Almost anything you do might look like activities “inconsistent with claimed restrictions.” The writer cites a group photo of a family reunion being used to suggest that a disabled salesman could mix and mingle at social events for hours on end.

Even a social media “check in” at a local pool can send investigators to photograph you doing a “workout,” according to the article. Insurance investigators infiltrated one wedding by posing as invited guests.

Ways to counter the snooping

With so much at stake, it’s wise to consult a qualified and empathetic disability attorney to help you develop a plan for your activities, both on and off social media. It will likely include consistent (offline) documentation of your activities with clear and detailed narratives of your medical condition, its physical and mental effects, and the nature and reasons for your activities. This can help put your life activities in perspective for the court. It’s also wise to have and scrupulously follow a well-developed plan for your social media and other online activities.