You, like most people, may like to share your life online. Social media enables us to connect with others across vast distances, or even with those nearby who we may simply not see as often as we’d like. However, the use of social media is not without its risks.
You may be aware that you shouldn’t divulge too much personal information in your online posts. You don’t want to run the risk of having your identity stolen or your home burglarized while you’re out of town. However, you may not have given much thought to how your social media posts could impact your long-term disability claim.
Evidence of activity that’s inconsistent with claimed restrictions
Covering long-term disability claims cost insurance companies money. They will look for ways to deny your claim, including reviewing your online presence. The insurance company is looking for any evidence that you are engaged in an activity that is inconsistent with the restrictions you suffer from due to your disability. For example, you may be unable to stand on your feet for an extended period, but if you post photos of yourself standing at an all-day event, the insurance provider may question your claim. It doesn’t matter if you were taking consistent breaks or may have just been having a day where you felt better than usual. The insurance company may still consider such posts to be a mark against you.
Do you have to give up social media entirely?
It’s unrealistic to expect people to give up their entire online presence. However, you should be extra cautious if you’re receiving long-term disability benefits or are making a claim for disability benefits. Understand that setting your online accounts to “private” may not be enough to hide your activities from prying eyes. If an insurance provider challenges your claim based on your social media postings, you should consult with a skilled legal professional.