Disability Claims Investigations

Disability claims investigations sit with life and health insurers, employers on self-insured plans, and counsel who must decide whether LTD, STD, or a similar benefit still matches the medical and occupational evidence. Investigations Plus documents functional activity, occupancy, travel, and undeclared work. The tone is clinical. The goal is a file that an adjudicator can read without wincing at the methods.

When this service is the right file

• Surveillance is needed to test specific activities the claimant says they cannot do.
• Travel, sports, renovations, or a cash business appear inconsistent with total disability.
• An Independent Medical Examination is coming and current activity would help the examiner.
• A claimant has moved and the address on the claim is no longer real.
• Social-media investigation must be done in a way that preserves exhibits.

How the investigation is done

We take the definition of disability in the policy seriously. Own occupation and any occupation are different tests. Investigators are briefed on the claimed diagnosis only enough to know what activity would be material. Days of surveillance are chosen for likelihood, not harassment. We identify the person properly. If we cannot identify, we do not pretend. Reports avoid amateur medical opinions. We describe what was lifted, how long, with whom, and in what weather.

What you receive

• Identification protocol and comparison images
• Activity video tied to claimed limits
• Residence and occupancy notes
• Open-source captures with URLs and dates
• A gap analysis: what the investigation did not see

Legal and ethical limits

Insurers have contractual and regulatory duties. Investigators still cannot trespass or record in private spaces. Human-rights and mental-health issues require restraint: we do not bait claimants. PIPEDA applies to how insurers handle the report. We write as if the claimant and a court will see it.

Who typically retains this work

Disability insurers, special-investigation units, and defence counsel. Claimants seeking benefits should not retain this page’s service against themselves.

Where we handle these files

Claimants live across Ontario and the rest of Canada. We travel. We do not need a city-branded clone of this service to do that.

Related services

These investigations are often used together. Open any service to see how we handle it.

• WSIB Investigations
• Insurance Investigations
• Surveillance

Send the restrictions, the occupation, and the question you actually need answered. We will tell you whether days of surveillance are justified or whether a records-and-OSINT pass is enough.

Typical fact patterns

Surveillance is needed to test specific activities the claimant says they cannot do. Travel, sports, renovations, or a cash business appear inconsistent with total disability. An Independent Medical Examination is coming and current activity would help the examiner. A claimant has moved and the address on the claim is no longer real. Social-media investigation must be done in a way that preserves exhibits.

Deliverables in practice

Identification protocol and comparison images Activity video tied to claimed limits Residence and occupancy notes Open-source captures with URLs and dates A gap analysis: what the investigation did not see We take the definition of disability in the policy seriously. Own occupation and any occupation are different tests. Investigators are briefed on the claimed diagnosis only enough to know what activity would be material. Days of surveillance are chosen for likelihood, not harassment. We identify the person properly. If we cannot identify, we do not pretend. Reports avoid amateur medical opinions. We describe what was lifted, how long, with whom, and in what weather.

Disability insurers, special-investigation units, and defence counsel. Claimants seeking benefits should not retain this page’s service against themselves. Claimants live across Ontario and the rest of Canada. We travel. We do not need a city-branded clone of this service to do that.

Send the restrictions, the occupation, and the question you actually need answered. We will tell you whether days of surveillance are justified or whether a records-and-OSINT pass is enough. Insurers have contractual and regulatory duties. Investigators still cannot trespass or record in private spaces. Human-rights and mental-health issues require restraint: we do not bait claimants. PIPEDA applies to how insurers handle the report. We write as if the claimant and a court will see it.

Disability claims investigations sit with life and health insurers, employers on self-insured plans, and counsel who must decide whether LTD, STD, or a similar benefit still matches the medical and occupational evidence. Investigations Plus documents functional activity, occupancy, travel, and undeclared work. The tone is clinical. The goal is a file that an adjudicator can read without wincing at the methods. Send the restrictions, the occupation, and the question you actually need answered. We will tell you whether days of surveillance are justified or whether a records-and-OSINT pass is enough.