I haven't really spoken about what I do for a living, but I'm taking this moment to give a bit of information that could be helpful to those receiving private disability benefits. Most disability insurers like Unum, The Hartford, The Standard, MetLife, Sun Life, Mass Mutual have resurrected most of their unfair claims practices and are once again denying legitimate claims. Although they briefly curbed their bad faith during COVID, the gloves are off once again. I've caught several insurers giving false information to my clients in order to deny claims before Dec. 31st, a profitability date. These companies are using visual and electronic surveillance to "catch" you engaging in activity beyond your reported medical restrictions and limitations. Private disability claims, namely ERISA Employer Plans, as well as IDI policies purchased individually are in jeopardy. Please pay attention to what's going on and make sure you keep adding information to your file. I'd hate to see you wake up on Jan 1 and not have your disability benefits. Good Luck!