How, When, and Why Insurance Companies Conduct Video Surveillance | Evan Schwartz

The insurance company hires someone to surveil your activities and determine whether or not your representations were truthful. You should follow their instructions and videotape yourself for 3 minutes and 35 seconds.

If you have filed a claim for disability, you should expect to be surveilled, because more likely than not, it will happen.

When do insurance companies carry out monitoring?

Surveillance can be conducted at any point during the duration of your claim (or legal case, if you are engaged in litigation with the insurance company).

Here are a few key points to be aware of, but there is no definite way to determine if or when you will be monitored.

  • Surveillance usually occurs in three-day intervals. Insurers generally consider this to be an adequate duration to acquire a thorough understanding of your activities.
  • Surveillance is more likely to take place during regular business hours. The majority of individuals are at their residences in the evening. Daytime hours are the preferred time for individuals recording videos.
  • Some insurance companies perform regular surveillance at the start of a claim. You might be under surveillance shortly after they receive the initial details of your claim and the type of disability you have. They may also carry out surveillance after receiving any updated information about you.
  • If your payments are high, you may be more frequently monitored by them. If your claim continues over an extended time period, the insurance company can probably perform surveillance on you again. It can happen more than once.
  • Surveillance is more probable when they are aware of your location. Optimal periods for the insurance company to initiate surveillance are after they have arranged for your examination by one of their physicians or after they have engaged in a discussion with you regarding your claim. These instances are opportune for surveillance to commence as they possess precise information about your whereabouts.
  • Stay alert and mindful of anything unusual, like:

  • Unknown individuals in your vicinity.
  • Someone who appears out of context; or.
  • A strange vehicle parked outside your residence.
  • It’s important to keep in mind that you can be legally monitored. If you find yourself in a public space, it’s possible to be recorded or shadowed, although the individual conducting the monitoring is not allowed to enter private premises.

    Afterward, you will never be able to see the agony of the past three days, and you will not be able to claim something you stated you were doing on a form. You will see a jury video where the insurance company gets to see what you are doing, and you don’t want to be in pain and spend the next three days in bed. Also, if you know that you will have a bad back and if you have to pick your child up and bend over, you should not overextend yourself beyond what you should be doing.


    Evan S. Schwartz.

    Creator of Schwartz, Conroy & Hack.