If you filed a disability claim recently, there’s something important you should know: it’s not just people reviewing your case anymore. There’s also AI technology in disability claims – basically, computer programs that are analyzing everything about you, from your medical records to your Facebook posts.
Sounds a bit scary, right? At Tucker Disability Law, we’re seeing how these computer systems are changing everything about disability claims. Some changes are good and help speed things up. But honestly? Some are making it way harder for people who really need benefits to actually get them.
Let’s break down what’s happening and how you can protect yourself.
What Insurance Companies Are Doing with AI Technology in Disability Claims
Computers Are Reading Your Medical Records
Insurance companies now have computer programs that can read through thousands of medical records super fast. These programs look for certain words and patterns that might suggest fraud or reasons to deny your claim. It’s like having a robot assistant that never gets tired – except sometimes this robot assistant gets things wrong.
They’re Trying to Predict Your Claim
Here’s something wild: AI technology in disability claims now includes programs that try to guess whether your claim is “risky” or expensive. They look at everything – your medical history, where you live, even your age – and give you a score. Get a bad score? Your claim might get extra scrutiny or even denied automatically.
Your Social Media Is Being Watched
This one really gets people upset, and for good reason. Insurance companies use special software to look through Facebook, Instagram, TikTok – you name it. They’re looking for photos or posts that might make it seem like you’re not really disabled. The worst part? These computer programs can’t tell the difference between you having one good day and you being completely healthy.
When AI Gets It Wrong (And It Does Get It Wrong A Lot)
The Computer Doesn’t Understand Your Condition
AI programs are only as smart as the information they’ve been given. If they weren’t taught properly about conditions like fibromyalgia, chronic fatigue, or mental health issues, they might automatically flag your claim as suspicious. It’s like asking someone who’s never seen a car to fix your engine – they just don’t get it.
One Photo Can Ruin Everything
Picture this: you’ve been struggling with chronic pain for months. You finally have one decent day and smile in a family photo. The AI sees that photo and thinks, “This person looks fine!” It can’t understand that you might be putting on a brave face or that one good moment doesn’t erase months of suffering.
Nobody Tells You What Happened
Most insurance companies won’t tell you if a computer program helped decide your claim or what the computer was looking for. It’s like being graded on a test but never finding out what the questions were.
The Numbers Don’t Lie
Want to know how big this problem is getting? When UnitedHealthcare started using AI technology in disability claims, their denial rate shot up from 10% to over 22%. That’s more than double! People are already suing major insurance companies for using AI to wrongly deny legitimate claims.
How to Protect Yourself from AI Mistakes
Lock Down Your Social Media Right Now
- Make everything private – we’re talking Facebook, Instagram, TikTok, everything
- Stop posting photos of any activities while your claim is pending
- Don’t check in places that might look inconsistent with your disability
- Consider taking a complete break from social media until your claim is resolved
Help Your Doctors Help You
Since computers look for specific words and patterns, make sure your medical records clearly show:
- Exactly what you can’t do because of your condition
- How your symptoms change from day to day
- That your condition is unpredictable
- All the treatments you’ve tried and are currently doing
Know What Your Policy Actually Says
AI technology in disability claims often focuses heavily on the exact wording in your policy. Read your policy (or have someone explain it to you) so you understand exactly what “disabled” means according to your insurance company.
Get Someone Who Knows This Stuff
Insurance companies are spending millions on AI to deny claims. You need someone on your side who understands these new tricks and knows how to fight back.
What to Do If AI Messed Up Your Claim
Think a computer program wrongly denied your claim? Here’s what you can do:
Ask for Everything
You have the right to see your complete claim file, including any computer analysis or risk scores they assigned to you.
Demand a Human Review
If AI was involved in denying your claim, you can ask for a real person to look at your case without relying on what the computer said.
Keep Your Own Records
Write down your symptoms, how they affect your daily life, and what you can and can’t do. This human side of your story can help counter the computer’s cold analysis.
PROTECT YOURSELF: Get Tucker Disability Law’s exclusive Capability Journal that shows you exactly how to document your symptoms so AI can’t use them against you. Download it FREE HERE.
What’s Coming Next
New laws are starting to address AI problems in insurance. California just passed a law requiring more human oversight when computers make medical decisions. But these protections are still pretty limited, and insurance companies keep finding new ways to use AI.
How Tucker Disability Law Fights Back
We make it our business to stay ahead of these technology changes so we can better protect our clients. We understand how AI technology in disability claims works, what sets off the computer alarm bells, and how to present your case so both humans and computers evaluate it fairly.
When insurance companies use fancy technology to deny your claim, you need someone equally smart to fight back. At Tucker Disability Law, we never give up – whether we’re fighting stubborn people or stubborn computers.
Here’s the bottom line: AI technology in disability claims isn’t going anywhere, but that doesn’t mean you have to just accept a wrong denial. Understanding how these computer systems work is your best defense.
Think your disability claim got tangled up in some computer algorithm? We’ve seen it all before, and we know how to untangle it. Don’t let a robot decide your financial future.
Got denied and think AI might be to blame? Contact Tucker Disability Law today. We speak both human and computer – and we’ll use whatever language it takes to get you the benefits you’ve earned.
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