Losing disability insurance benefits over FB profile

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PostPosted: Wed Sep 08, 2010 9:26 am   Post subject: Losing disability insurance benefits over FB profile  

I was reading about Nathalie Blanchard and the way she lost her disability insurance benefits. I don't think the carrier had the right reasons to discontinue with her insurance benefits. Do you all agree with me? Should a carrier deny coverge on the basis of your FB profile?


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Naomiportland10on10
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PostPosted: Wed Sep 08, 2010 11:54 am   Post subject:   

Depends what she's got on her profile..



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PostPosted: Thu Sep 09, 2010 1:16 am   Post subject:   

That wouldn't be the sole reason, but it could certainly play into it. I know nothing of that particular case, but if someone can't work because of their bad back, but they have pictures of themselves on FB dunking a basketball...


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PostPosted: Thu Sep 09, 2010 3:36 am   Post subject:   

For all said on this issue, nothing has been said about the type of coverage that she had, which matters a lot in the disability insurance world.

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PostPosted: Thu Sep 09, 2010 10:23 am   Post subject:   

BNTRS, she probably had a disability insurance coverage from Manulife Financial. Now, I'm not sure which of their 5 products she may have opted for.

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PostPosted: Fri Sep 10, 2010 9:15 am   Post subject:   

Quote:
I know nothing of that particular case, but if someone can't work because of their bad back, but they have pictures of themselves on FB dunking a basketball...


Well, that's there..but then you can't blame it on your being on a party if your doctor has asked you to try and acquire a better mood. What do you think!
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PostPosted: Fri Sep 10, 2010 2:14 pm   Post subject:   

I think that there are always multiple sides to every story and the carrier said that it wasn't the FB post that caused the denial. It could certainly be part of it. For instance, what if her claim paperwork talks about her being too depressed to get out of bed, but her FB posts show her at parties and doing something active every day?



It can certainly play a part.


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PostPosted: Sat Sep 11, 2010 9:20 am   Post subject:   

Quote:
For instance, what if her claim paperwork talks about her being too depressed to get out of bed, but her FB posts show her at parties and doing something active every day?


If that would have been the reality, then I don't think it would create such a buzz around. It would be so foolish for someone to pretend something that can be easily tracked down. I don't think a couple of photographs are enough to throw a hint on the overall frame of her mind under such conditions. Even the carrier had to support my views - that they won't deny coverage on that ground.


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PostPosted: Sun Sep 12, 2010 6:14 pm   Post subject:   

Quote:
BNTRS, she probably had a disability insurance coverage from Manulife Financial. Now, I'm not sure which of their 5 products she may have opted for.




That wasn't my point. My point was there's a lot to be said, and a lot more to be learned (even by agents) about the importance of disability insurance contract language that sometimes goes even beyond the simple difference between any occ and own occ.



Income is a rather important piece to most people's financial lives, and yet it remains terrible underinsured. A lot of people with coverage mistakenly assume that it's as simple as when I can't work because the doctor says I can't I get paid--big mistake.
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PostPosted: Mon Sep 13, 2010 3:04 pm   Post subject:   

Quote:
For instance, what if her claim paperwork talks about her being too depressed to get out of bed, but her FB posts show her at parties and doing something active every day?




That would be the basis of an insurance fraud prosecution.


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