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Steve Fields


Can the insurance company use my social media history against me to deny my benefits?

Insurance companies have a great interest in ensuring that claims are not only handled properly, but administered fairly. Therefore, most insurance companies use various tactics such as surveillance to not only prevent fraud, but also to evaluate your credibility and condition.

When it comes to surveillance, most people often think of videotaping, following, and observation. However, most surveillance today begins without an investigator even having to leave the office. A simple online search through your social media accounts may be enough to prove fraud or to show that your condition is not as limiting as you make it seem.

How Insurance Companies Gather Information

Long Term Disability Insurance Social MediaAs soon as you file an application for benefits with your insurance company, you open yourself up to being watched and investigated. The most popular websites, such as Facebook, Twitter, LinkedIn, YouTube, etc., are usually the first to be searched.

Insurance companies will also search through third party websites to see what you have posted or whom you have messaged or discussed things with. Since anything you do on social media is available to the public, the insurance company is free to use any information obtained against you to support denying your claim.

When denying your claim, insurance companies typically find photos or videos of you doing various activities or posts indicating that you are engaging in certain activities. The insurance company may then use these activities against you and argue that similar individuals in your same position would likely not do if they were actually hurt or disabled.

Investigators may attempt to add you as a friend to gain private access into your information. Investigators may also go as far as searching through the social media accounts of friends and family for information pertaining to you.

How Insurance Companies Will Use The Information

The insurance company will often reference what they find in social media as support to deny your claim. The insurance company usually combines this along with a medical or vocational basis.

If your insurance company has denied your claim for disability benefits and referenced your social media activity as a reason, it is important to know your rights.

Sometimes, insurance companies use the activities found on social media out of context to make it seem like you are capable of engaging in and performing those activities on a daily basis. However when in reality, you may have only engaged in a certain activity once or maybe even not at all.

If the insurance company has denied your claim for benefits and mentioned your social media activity as a reason, give us a call right away. We can explain your rights and help you get the benefits that you are entitled to.

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