Sometimes, the insurance company will have a claims investigator conduct a face-to-face interview with you to determine if you continue to be disabled.

While the investigator probably had some training classes on medical conditions, he or she is generally not medically trained so there will not be a physical examination.

It is advisable to prepare for the interview.

Generally, the investigator is going to ask pretty much the same questions that were on the claim form: what keeps you from working, when did it start, when did you stop work, maybe even a review of your symptoms. Be sure to add anything new going on since submitting the claim form.

Investigators also usually ask about how you spend your time, how the housework gets done, how you do the laundry, the shopping, and similar questions. Investigators will sometimes want you to describe a "typical day." Give the investigator the details, but keep in mind your "bad days" and don't focus on a "good day."

Occasionally investigators may try to rattle you with a contradiction between one of your statements and the doctor's or the employer's. Don't fall for it.

These can be tricky interviews. If you're too resistant or hesitant with your answers, then they'll think you have something to hide. On the other hand, if you're too rehearsed, it will seem suspicious. It's safest to just stick to the facts without adding additional irrelevant information. Assume that everything you say is being recorded.

Consider having a friend/advocate with you at the meeting. If you have a counselor or other knowledgeable friend or acquaintance, ask him or her to be there, even if it's just to listen. The person can witness what was said should it become important later. He or she can also bring up symptoms and effects of symptoms that you may forget during the meeting. 

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