Investigative Tools Used by Insurance Companies

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Investigative Tools Used by Insurance Companies
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Listed out few investigative tools which are
commonly used by an insurance company while
assessing a disability claim
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• Independent Medical Examination (IME) An IME is
  a medical evaluation that is used to resolve
  question about the claimant medical condition and
  it is usually done by an insurer (Insurance
  Company).
• Functional Capacity Evaluation (FCE) It is a
  collection of tests used by the insurance
  companies to check the maximum physical effort of
  the claimant. The insurer will use this
  information to extrapolate that the claimant can
  toil full-time on a sustained basis.

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• Surveillance  Usually insurer uses surveillance
  in high-benefit cases or where claimants allege
  disability based upon either subjective type
  conditions or where the objective support is not
  indicative of the restrictions or limitations.
  Claimants must be cautious on any statements made
  to the insurer about their day-to-day activities,
  inconsistencies can be fatal to a claim

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• Home Visits A rehabilitation consultant from the
  insurance company will stop by either unexpected
  or at a prearranged time to speak to the
  claimant. He will try to find out claimant's
  activity level and determine whether the
  applicant is working on another interest or to
  develop other information to be used by the
  insurer. 
• If youre searching for an experienced Disability
  Lawyer in Toronto contact Share Lawyers, a
  disability claim lawyer who offers free
  consultation.

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