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    Related: Poll, News, Facebook, insurance
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    1 of 222
    Are Facebook Photos Fair Game For Insurance Companies?
    Nov 24 2009 - 3:44pm I just came across a story about a woman in Canada who lost insurance benefits because of a photo posted on Facebook. The woman was on medical leave from her job due to severe depression, and was receiving monthly disability payments from an insurance company. After she stopped receiving payments, she called her insurance company, who told her that she should be available to work because of photos she posted on Facebook that showed her looking happy and having a good time — hardly experiencing the crippling depression that kept her from going to work.
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    7 Comments Post a Comment

    Jalessa's picture
     
    Jalessa

    I think it was ridiculous for her company to look at photos and cancel her checks. As someone who suffers from depression, I can testify that it is life altering. Just because she was having fun at that particular moment does not mean that she is not depressed. I have had friends take me to dinner to cheer me up, and sometimes they make me laugh. That does not mean that I am not still depressed. I read this article and her doctor told her to try to have fun with friends. She took her doctor's advice and her job used it against her. This is sad.

    1
    Tue, 11/24/2009 - 4:17pm Report Comment
    caseyhallison's picture
     
    caseyhallison

    I, for one, am most surprised that there's actually an insurance company that will dole out monthly payments for someone being on medical leave for "severe depression". I mean, come on! It must be a Canadian thing. Strange policy, so I guess it's fitting that part of the reason for termination seems odd. How does one demonstrate "severe depression"? Obviously they can't do a brain scan and see who qualifies, so they have to look to behavioral evidence. While it might not be conclusive evidence that she's no longer severely depressed, it definitely weighs in that direction. Clearly the depression wasn't severe enough to prevent her from going out and having a good time on these multiple occasions. She says she followed her doctor's advice to do "go out and have fun"..so why shoudln't she try "going back to work and being a productive member of society"? Routine and purpose can be quite helpful in alleviating depression. Just a thought.

    2
    Tue, 11/24/2009 - 4:54pm Report Comment
    kismekate's picture
     
    kismekate [+]

    I work in insurance defense and the first thing we do is check for all public evidence accessible online.

    We once had a girl claim that she was no longer able to Cheer at her college football games anymore. But there it was. Photo evidence on her Myspace page that she was continuing to cheer just fine. She was trying to sucker thousands and thousands of dollars out of this poor woman for a fender bender.

    I feel no mercy for people who cheat the system like that.

    3
    Tue, 11/24/2009 - 4:58pm Report Comment
    Anonymous's picture
     
    Anonymous

    I agree that cheating the system is wrong. However, severe depression is a legitimate illness. Look it up in the DSM-IV. By design, our health care system relies on input from multiple sources, including both medical and mental health professionals. This woman was not just "getting checks" each month. There is a formal process that requires periodic check-ins with those professionals, who are then required to provide their input as professionals to the insurance company.

    The bottom line is that one's mental health cannot be measured by a few photographs. Besides, those who have experienced depression (which is quickly growing to include the majority of Americans at least once in their lifetime), will understand that when you are depressed, you need to participate in activities that help bring you out of that funk. To say that someone with depression is disallowed from smiling, laughing, or participating in any other type of emotional act is, quite frankly, a load of crap.

    Hopefully, if you stop and think about it logically for a moment, you'll get what I am saying.

    4
    Tue, 11/24/2009 - 5:24pm Report Comment
    meereesa's picture
     
    meereesa [+]

    If the person is blatantly lying (like kismekate's cheer story), I think it would be a very good reason to open the case for further investigation. However, severe depression is a very real thing, and a couple of pictures will not tell you the whole story. They should have at least investigated further before canceling her claim.

    5
    Tue, 11/24/2009 - 6:05pm Report Comment
    Akasha's picture
     
    Akasha [+]

    Did the photographs have a date stamp on them? There are a ton of pictures of me and my friends on Facebook that were put up months if not years after the time they were taken.
    Heck the pictures from last Halloween only made it up a few days before Halloween this year. A bunch of the people who were at the party I attended actually commented on what other party I went to since my costume was different.

    6
    Tue, 11/24/2009 - 6:13pm Report Comment
    darqbella's picture
     
    darqbella [+]

    It depends. In the case of depression I find it hard to believe you can make a cut and dried medical diagnosis based on a photograph.
    However, if you're idiot enough to be bilking your insurance company saying you can't walk and your Facebook has you waterskiing on one leg and documenting your Ironman triathlon bid, I say go after the insurance fraud charges!

    7
    Tue, 11/24/2009 - 11:17pm Report Comment

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