You can prepare for long-term disability interview questions by being polite, prepared, and honest. The insurance interviewer will likely begin with a few easy questions to which they probably already know the answers, e.g., what medications are you taking, or when is your next doctor’s appointment? More difficult, open-ended questions will follow. For example, has your condition changed, or tell me about a typical day? Don’t be afraid to push back if they re-state your answers out of context. Finally, it’s wise to consult with a lawyer.
Marc Whitehead & Associates, Attorneys at Law, LLP, is dedicated to ensuring our clients get the disability benefits they deserve. An LTD disability attorney at our firm can work with you to ensure you are comfortable with the interview process and prepared for a successful outcome. We have helped clients all over the U.S. No money up-front. We don’t get paid unless you do. Call us for a free and confidential legal consultation.
Keys to a Successful Interview
For the most part, the insurance company wants to protect their financial interests by minimizing or denying your benefits. You can avoid costly mistakes by doing the following:
For a free legal consultation, call 800-562-9830
Answer Questions Accurately and Honestly
If an interviewer asks about your medical condition and how it affects your day-to-day life, you should neither downplay nor exaggerate.
It is human nature to downplay a disability, but now is not the time to do this. If you tell the insurance company you are not in pain when the opposite is true, they may cut off your benefits.
However, it’s also crucial to not exaggerate your symptoms. Assume that the insurance company knows everything about your medical treatments, diagnostic tests, and the limitations your doctor has placed on you. Have this information prepared so you don’t inadvertently say something that contradicts the available evidence.
Be Concise and Stick to the Facts
Your answers should be concise and direct. If they ask you if you play sports, say no if this is true. If they ask you how long you can sit, give them a brief and truthful answer like “fifteen minutes,” and then tell them the specific problem or symptoms you experience if you try to sit for a longer time.
If they ask you if your medical condition has improved, do not be vague in your response. Instead, tell them precisely what has changed and how it impacts your life. Editorializing and going off on tangents can hurt your standing and allow your interviewer to trip you up.
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Interview Preparation Help at Marc Whitehead & Associates
A long-term disability interview is often stressful. Knowing what to expect and how to answer the questions is essential. Our experienced legal team at Marc Whitehead & Associates can help you prepare so you can go into your interview confidently and relaxed. Remember that up to 50 percent of claimants go through this process. Please call our offices for a no-fee consultation about your upcoming interview. Our firm works on a contingency fee basis, meaning there are no upfront or out-of-pocket fees. We only get paid if you do.
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