The world of social media has enabled many to keep in touch with friends, family, and colleagues from all around the globe. But what is often overlooked are its potential long-term implications for disability claims.
Therefore, it’s essential to understand the risks associated with using social media platforms like Facebook, Twitter and Instagram when filing for long-term disability insurance coverage.
Insurance companies use social media
Working to receive disability benefits can be a long and challenging process, and social media can possibly hurt your case. When filing for disability, the Social Security Administration (SSA) may look into your Facebook, Instagram, and other social networking accounts to determine your eligibility for benefits.
They may also use your posts to decide whether or not you are truly disabled. For example, suppose you post pictures of yourself participating in activities that would typically be difficult or impossible for someone with a disability. In that case, the SSA may use this as evidence that you are not actually disabled.
It’s also important to note that insurance companies often hire private investigators to monitor claimants’ social media accounts. This means that even if you set your accounts to private, there is still a chance that the insurance company could access them and use the information against you in a claim.
The best way to protect yourself from having your social media posts used against you in a disability claim is by being mindful of what you post online. Additionally, ensure all of your accounts are set to private so only people you approve can view them.
If you believe you are eligible for disability benefits but are worried about how your social media activity might affect your claim, it’s best to discuss your concerns with someone who can help you navigate the claim process.