Should I Request to See My File?

I have been on LTD since 2010, I am past the two-year mark, and expect to be disabled for life.

I am curious as to what the insurance company has been up to with respect to my file.

  1. What information is contained in my file? Details of decisions about my disability? Details of investigations?
  2. Should I ask for a copy of my file? If I do, would that cause any issues?
  3. Is the insurance company obligated to share any and all information with me? If not, what might they withhold?

I wouldn’t. Let sleeping dogs lie.

1 Like

I’m guessing that if the insurance company is like mine and they know from your diagnosis that you will be unable to work for life, that your file has been sent to a long duration disability department which is probably a dusty filing cabinet. :slight_smile:

Great advice.
Don’t poke the sleeping bear. :slight_smile:

I have seen hundreds (maybe thousands) of people’s insurance claim files and the all have the same information, including your application forms, internal tracking and claim management sheets, claim management plans, internal notes, call notes, internal and external emails, surveillance records, medical records, correspondence, reports from internal medical reviewers and internal decisions about the claim. Insurance companies will normally share almost all of this stuff with you outside of litigation. During litigation you get everything.

You have a right to receive a copy of your file, but asking for it out of the blue may raise concerns about why you want it. It could trigger an audit and review of your claim which is not necessarily a bad thing, but could be a hassle for you.

David Brannen

Disability Lawyer with Resolute Legal

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