Discussion in 'Fibromyalgia Main Forum' started by texasrose204, Aug 25, 2008.

  1. texasrose204

    texasrose204 New Member

    Got a call last night from representive from my ltd insur. that is paying me that they are in area and coming by to visit with me? Scary and nervous why! i can't afford to lose my benefits! Is he to look at me and make judgement as to my illness and abilities? I was just turned down fro ssi said i am being treated and being contolled, fm and lupus. I wished is was controlled enough where i felt human and me again so i could manage to go back to the real world! having very frustrating week!
  2. wildflowers2

    wildflowers2 New Member

    CALL and have an attorney present!

    CANCEL THIS APPOINTMENT.they are setting you up for sevaliance! and will have crap in their report to boot......

    DO NOT LET THEM IN THE HOUSE......they even note how your house looks what you wear etc.

    THESE People are not good.....

    read other posts b4 on servaliance......

    good luck
  3. texasrose204

    texasrose204 New Member

    What will happen if i cancel and what reason would i use? I am not having a good day anyway dont know how i would handle this?
  4. texasrose204

    texasrose204 New Member

    where do i find these post on survelience?
  5. landra

    landra New Member

    that is the correct spelling - put it in the box above messages that says "search".

    Call them and tell them that this is not a good a day and you want to meet, another time, in your lawyer's office, or your doctor's office. give them both numbers to arrange it!! Don't let them push you. If they come to the house - do not answer the door.

    When they called, did they ask how you are? and did you say "fine"? that is an example of what then goes in their reports! "Client is fine accordining to her own report." for instance.
  6. texasrose204

    texasrose204 New Member

    When he called he asked how i was i said fine i did not know who he was. I am not going to answer the door i am sure he will call the house from his cell. This just makes me mad i cant afford to lose my ltd. just so scared, yesterday i had to go to dr for my lab workup for my appt thurs so today i am not doing to well let alone with this mess!
  7. hensue

    hensue New Member

    They have no right to come to your house. That sounds like they are just making a case for thereselves. Make it right now
    when they call i am in the bed. With pain cannot go to door.
    Thats bull.
  8. texasrose204

    texasrose204 New Member

    this drove me crazy last night worrying what this is about and scared of losing benifits. Thanks for all the info i plan on answering phone and telling him i can't make it to the door. last week i was bedbound all week which happens alot yesterday i didnt feel to bad til i went to dr office which wore me out and pain again. I was going to let him in til i read ya'll posts so thanks. i was uneasy about doing so but thought it would look bad if i didn't. Thank you all!
  9. moi482001

    moi482001 Member

    you will subject to it, with or without their visit. They parked across the street, about 200 feet away. I took my dog for a walk, struggled across the street and asked what that man was doing there. When he wouldn't reply, I walked to the back of the car to look at his liscence and he left. Does not solve the problem but it will make it difficult to continue his job. Never was aware of any others.

    As far as not letting insurance in, I hesitate to give you an answer but I would make a call to a lawyer who can then schedule the next appointment. No bad intentions on your part, blame it on the lawyer.

    Yes, I did get LTD and have been on it for 8 years.

    Good luck and try to stay calm-they are betting on you losing it.
  10. Malcolm82

    Malcolm82 New Member

    I have not had a visit from someone from my LTD carrier, but I am expecting one anytime, because my wife has been through this with work comp due to her back injury.

    The first time she got a call saying they will be visiting, the answering machine picked it up. She called her attorney to find out what to do. He said they do make these visits, usually once a year, if she refused to see them, they would probably make a request to suspend her benefits, so he said to let them come and just answer their questions.

    In the end all they did was ask for a picture ID, height and weight, and a few simple questions about how her limitations. It all took about five minutes. They have been coming once a year for about 3 years, and her benefits have continued, and there have been no requests to reduce or suspend her benefits because of the visits.

    Of coarse work comp is different than LTD because your benefits can't be changed in a work comp case without a hearing and a judge's decision. You don't have that protection with LTD.

    I guess the only advice I can give you is to consult with an attorney and see what he says.

    I hate to say this, but if you are having a bad health day, this would probably be a GOOD day for them to see you.

    Good luck!

    [This Message was Edited on 08/26/2008]
  11. chrissy12

    chrissy12 New Member


    I have been through this twice. They came, same man, to my house once and then came a year later. I wasn't sure what to do. I heard if you say no, then they look at it as you not cooperating.

    I did have a tape recorder on the table. When he sat down I told him I would like to tape it. He asked me why?
    I asked if he was going to take notes and he said, 'Yes."
    I asked if he was going to leave me a copy and he said, "no." I said I wanted documentation of this meeting, too and it would take me a long, long time to take notes. He could not come up with a reason to say no.
    He was very careful with what he said and so was I.

    If you do it, just answer the question and no more, and say to the best of my memory and then answer.

    The next time he came, I still had the tape recorder. I said I had to tape it, or postpone our meeting so I could get someone to come over and take notes.

    Actually, he was pretty nice and they have kept my insurance.

    At the very least, I would either have someone there taking notes or a tape recorder so you have record of what is said so they cannot distort what you say.

    Take care, Cindy

  12. fibromickster

    fibromickster New Member

    Please let us know how this goes. I think Cindy's idea is wonderful if you do let him in your house. However, if you have a lawyer that would even be better.

    Wow, I had no idea about any of this. Now, I know hwat I have to look forward to later in life.

    Good luck and you are in my prayers. You (we) all don't deserve this kind of treatment.

  13. texasrose204

    texasrose204 New Member

    i did not answer the door i was really upset and not sure what do to do! i like the idea of the recording it, thanks. and it made me feel better after reading the replies from the ones who have been through this! I have called him back now and apologized for not being available when he was here. I stated to him not a good day for me and said we could do this later. gives me some time since this was just sprung on me last night! will talk to lawyer or have someone with me next time. i didn't like the thought of him being here with just me anyway like this! he kept asking what kind of meds i am taking today etc. (lots as usuall) Thank you all for your input It was really nice having ya'll there for me!
  14. texasrose204

    texasrose204 New Member

    Dont apologize your fine it is okay! i know how it is that is why i am here posting i dont seem to be quick and have right answers like i used too! I appreciate you!
  15. texasrose204

    texasrose204 New Member

    I dont feel i did anything but glad it made you smile! your post made me smile too! I get very frustrated too like going through all this to prove i am sick? Wouldn't we all rather be working, living more normal lives that what we have been given? I dont choose not to its because i can't i said this would never control me from day one but it has! Keep smiling!
  16. victoria

    victoria New Member

    My DH is on disability. He let the first 'rep' come to the house, and the letter totally misrepresented and outright lied about things.

    Then they wanted him to see 'their' doctor. We advised the doctor that we were going to videotape the exam for both my DH's protection and the doctor's. He refused at first. Of course that made the doctor AND them look bad, so ultimately the doctor agreed, and the exam went ok - at least no lies.

    The next meeting the next rep wanted, we insisted that it take place at our lawyer's, AND we advised them ahead of time that we were videotaping it because of the other bad experience. They then rescheduled so they could get their OWN videographer!

    They never bothered him after that! Well, except to offer a stupid settlement.

    All I can say is to firstly reiterate what others have said and some additions from our experience:

    --ONLY hold a meeting with a rep at your lawyer's with him/her present-- and NEVER at your home, it's your private property!

    --VIDEOTAPE all meetings with them regardless of where held, so there's never a chance for misrepresentation by anyone.

    --VIDEOTAPE any app'ts with any doctors they want you to see, but let the doctor know first, well ahead of time.

    --DON'T go thru hell to make yourself look good at all, vanity be d***d! Show up as you would be on a normal day at home, don't do anything more than you would if you were home-bound for the day.

    --DON'T talk to them about what all your medical condition/diagnoses entail; that's what your medical records are for and you're not the doctor, they should be asking him/her. How it impacts your daily life is what counts.

    If you can't videotape because you don't have or can't borrow equipment, then at least AUDIOTAPE EVERYTHING, including phone conversations (with your answering machine), letting them know of course. It's remarkable how well things go when one does this.

    I don't think they ever tried to spy on my DH tho, because we lived in an isolated area... anybody up on the road or in the woods, our dogs would've gone wild hehe.

    Good luck, hope it all works out well!

    all the best,

    [This Message was Edited on 08/26/2008]
  17. wildflowers2

    wildflowers2 New Member

    another trick they do is call your house and hang up to see IF you are home. THey even stoop low enough to talk to your neighbors.

    Invest in a taperecorder from radio shack along with a divice to record your phone conversations.

    YOU MUST tell them you are taping the call by law and you are taping it for YOUR records. They wont call back.

    When,IF you do tape on the phone state the day is...the month is and it is 9am in the morning.

    LTD screwd me around for 2 yrs no money and DENIED me .yes, I had an attorney to appeal.

    ****hARD PILL TO SWALLOW**** ltd COMPANIES ARE JUST THAT COMPANIES. thEY HAVE the right to change their policy at the drop of a hat.

    best of luck to you !!!!!

  18. SeaShel

    SeaShel New Member

    Check your state laws - in Arizona you don't have to tell the person you are recording. As long as ONE person knows, it's legal.

    However, there is something to be said for putting them on notice that you're recording. Makes them think twice about twisting your words.
  19. victoria

    victoria New Member

    about the notifying... whether you have to tell them or not it makes a difference to tell them. Putting them on notice DOES normally make them way more polite, for starters!

    Nowadays, if we're having problems with ANY institution, we've learned to use our answering machine to record the conversation - the 'beep' sound notifies everyone anyway altho we always tell them too... and magically almost always things change for the better.

    all the best,

  20. jasminetee

    jasminetee Member

    The LTD rep that came and visited me believed me and he strengthened my case as it hadn't been accepted yet. He could see all of the modifications we've had to do, mats on the kitchen floor for me to stand on, a chair in the shower, a bed in the living room, etc.... and he could also see for himself that I am not depressed which is what they were first diagnosing me with.

    He contacted me a few times after that, and visited once more, there was also a lady with him the second time...I don't remember if she was from the company or was just his friend. He was very nice and I was relieved that they sent someone out to meet me in person. I knew then that I wouldn't be just a number to them.

    I read him all of the symptoms I deal with and I gave him his own copy of them as well as some charts of the outline of a person showing where I had pain in my body throughout the previous week. I also gave him a list of all of the treatments I was doing at the time, which was seeing my Chiro 2 times a week, my TCM doctor once a week, and I was also seeing a CFS Specialist. I wrote down all of the herbs and supplements I had tried or was on. I had no meds to report because I'm unable to tolerate them and I had written that down too.

    Granted, I had been given more than a week to prepare for the meetings each time. I think it's lousy that your insurance company sprang this on you the day before. However, I hadn't been on it yet, now they just call once a year so far.

    Anyway, I told my rep how hard filing for Disability was on me emotionally because I loved teaching and my husband and I had planned to move up near my parents and have children of our own. I had become disabled by spraining my back on the 3rd day of my Honeymoon a year earlier. This didn't get better and I went on to develop severe FMS and I had already been dealing with what was then a mild case of CFS. I couldn't help but shed tears when I told him this as I'm doing now while writing about it.

    Btw, back then, I was doing much better than I am now. I was able to rollerblade for an hour or more, swim laps, attend Yoga for Your Back and Chi Gung classes and go for walks although a lot of the time I had to be in bed. He and I talked about this and how we both felt it was good for me and he said he hoped I would start improving soon.

    All of the doctors and others my LTD had sent me to had acted disbelieving and hadn't treated me with respect. This rep did. I was awarded my LTD and they changed my diagnosis from Depression to FMS and gave me back pay to the date I had sprained my back.

    I can see that others have had different outcomes from this situation and it's a shame some have been negative ones. I'm sorry that happened to those of you that it did.

    I guess the situation can go either way but I suggest preparing as much as possible for the meeting and let them meet the real disabled you. There are people who fake claims and it's good that the companies try to catch them so that we don't all end up paying higher premiums because of them. You're not one of the fakers. You have nothing to hide. Just be honest and upfront and friendly. You can tell them that you do the best you can and that you try to get well but still remain too disabled to work.

    You worked hard for your insurance and you deserve it when you're disabled. No one should be able to take that away from you.


    [This Message was Edited on 08/27/2008]