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I am in the process of applying for LTD through the company that I work for. I have been given the three forms for employer, employee, and physician to fill out. I guess my question is, should I include any other paperwork such as doctors notes when I send in my papers? I have been diagnosed with Depression,Panic Attack Disorder and Agoraphobia. I have also been told that before they make a decision, the Insurance company will hire a
Private investigator to follow me around to try and discredit my claim. Is that true? Thank you
You can and should submit other supportive documentation, if you believe it will be helpful to your application.
Insurers sometimes do hire private investigators to run surveillance on applicants, that's true. However, it's not done on every file, and in fact, in my experience, it's not done on the average file.
Insurers sometimes do hire private investigators to run surveillance on applicants, that's true. However, it's not done on every file, and in fact, in my experience, it's not done on the average file.