One of United Healthcare’s favorite tactics is to use its network of doctors to reach decisions about your health and ability to work. These doctors have never met you or laid eyes on you before. They do not listen to the opinion of your doctor, who has seen you. Insurance companies cannot get away with this, but first, you need to challenge them. United Healthcare has other tactics that it likes to use to deny your benefits. One of their favorite weapons against claimants is to investigate their lives. Long-term insurance companies often: Send investigators to talk to you personally and pry into the details of your life Scrutinize your social media accounts Hire people to follow you around (this is completely legal, so long as they are not invading the privacy of your home) The goal is to find any nugget they can use against you to deny benefits. As a claimant, you argue that you are disabled and cannot work. However, if the investigator thinks that they saw something inconsistent with that, United will use it to reject your claim. In many cases, insurance companies look to cherry-pick details that they can use to their benefit. United Healthcare can also do everything possible to terminate your benefits. They may subject your claim to a review after giving you benefits for some time. Many claimants have gotten used to getting benefits when United terminates them.