Chronic Fatigue Syndrome Disability Insurance Benefits Claim
View Disability Cases Involving Chronic Fatigue Syndrome Disability Insurance Benefits Claim
Disability insurance carriers often challenge a diagnosis of chronic fatigue syndrome. How can Disability Insurance Attorneys Dell & Schaefer assist you?
As disability insurance attorneys, Dell & Schaefer have represented numerous long term disability claimants that have been unable to work as a result of being diagnosed with chronic fatigue syndrome. Disability Attorneys Dell & Schaefer have an expansive understanding of the significant restrictions and limitations that a person with chronic fatigue syndrome must live with on a daily basis. We have worked closely with top physicians in order to sufficiently satisfy a disability carrier’s threshold of evidence necessary to prove that a client is disabled by chronic disease syndrome.
Not everyone suffering with chronic fatigue syndrome qualifies for long-term disability benefits, therefore the medicals records of each client must be reviewed to determine the level of restrictions.
We welcome the opportunity to discuss your long-term disability claim.
You can contact us for a free initial consultation.
Disability carriers are constantly denying claims on the basis that a client does not have sufficient objective medical evidence to be disabled by chronic fatigue syndrome. The sad thing about this statement is that the cause of chronic fatigue syndrome is unknown and there are no objective tests that can 100% confirm a diagnosis of chronic fatigue syndrome. Manipulative doctors hired by insurance companies are aware that a client can almost never objectively prove they have chronic fatigue syndrome and they wrongfully draft reports denying claims on the basis of no objective evidence. Many long-term disability carriers are selling policies that limit benefits to 24 months if you are disabled by chronic fatigue syndrome.
The disability carriers consider chronic fatigue syndrome to be a medical condition that is based on self-reported claims of pain (subjective complaints) and other limitations. Most policies do not require objective evidence of disability, therefore in most cases a disability claim should be approved based on subjective complaints only. A claimant disabled by chronic fatigue syndrome must have a very supportive treating physician in order to properly document the restrictions and limitations in support of disability.
What is chronic fatigue syndrome?
Chronic fatigue syndrome, also known as myalgic encephalomyelitis (CFS or ME/CFS) is much more than just being tired all of the time. People with chronic fatigue syndrome become so run down that it interferes with every aspect of their lives and can make it hard to function at all.
Experts think at least one million Americans have chronic fatigue syndrome. However, fewer than 20 percent of these cases have been diagnosed. Women are four times as likely as men to develop chronic fatigue syndrome. The disease occurs most often in people ages 40-59. Still, people of all ages can get chronic fatigue syndrome. Chronic fatigue syndrome is less common in children than in adults. Chronic fatigue syndrome is sometimes seen in members of the same family, but there is no evidence that it is contagious. Instead, researchers suppose it may run in families because of a genetic link.
Many researchers believe at least some cases of chronic fatigue syndrome are caused by an abnormal reaction to common infectious agents. The condition is tentatively linked to Epstein-Barr virus, enteroviruses, human herpes virus 6 and Lyme disease. However, studies have not been able to link a specific virus as the primary cause of chronic fatigue syndrome. Fibromyalgia occurs in a large percentage of chronic fatigue syndrome patients between onset and the second year, and some researchers suggest fibromyalgia and Chronic fatigue syndrome are related.
Multiple studies suggest that the immune system may be chronically active in people with chronic fatigue syndrome, which could at least partially explain the fatigue and lack of energy. In other words, your body thinks it’s fighting an infection, whether it is or not, and that utilizes a lot of your body’s energy.
How the symptoms of chronic fatigue syndrome can affect you
Symptoms of Chronic fatigue syndrome are similar to those of most common viral infections (muscle aches, headache, and fatigue). They come on within a few hours or days and last for 6 months or more.
Some people with chronic fatigue syndrome may experience trouble staying on top of their responsibilities at home and on the job, while others become severely disabled and even bedridden. Many people with Chronic fatigue syndrome experience depression and other psychological problems due to the ongoing demands of the illness.
Furthermore, they’re not just dealing with extreme fatigue but with a wide range of other symptoms, including flu-like symptoms, insomnia, muscle and joint pain, headaches, sore throat, swollen lymph glands and memory problems to name a few.
There is currently no cure for chronic fatigue syndrome. Instead, the symptoms are treated with medication.
Resources
There are many valuable sources of chronic fatigue syndrome disease information available. You can also access resources over the internet such as Centers For Disease Control & Prevention
There are numerous charities dedicated to chronic fatigue syndrome research, prevention, detection and treatment including CFIDS Association of America
http://oslersweb.com/ – By HILLARY JOHNSON: a site dedicated to the pandemic disease that for a quarter century has been called “chronic fatigue syndrome,” and has recently been shown to have a strong statistical correlation with infection by the third human retrovirus, a gammaretrovirus called “xenotropic murine leukemia virus-related virus”.
Not everyone suffering with chronic fatigue syndrome qualifies for long-term disability benefits, therefore the medicals records of each client must be reviewed to determine the level of restrictions.
We welcome the opportunity to discuss your long-term disability claim. You can contact us for a free initial consultation.
Request a Free Consultation
Click here or call 800-682-8331 now!
We respond the same day. We represent disability insurance claimants all over the United States.
- Tempur employee suffering from chronic fatigue syndrome sues Union Central Life for denial of disability benefits
- Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits
- Texas claimant takes Reliastar to task for denied disability benefits
- At least five lawsuits were recently filed in Florida District Courts against Prudential for non-payment of disability benefits to deserving claimants
- CIGNA under fire in Minnesota Federal Court for termination of claimant’s disability benefits
- Five lawsuits recently filed in Florida Courts against Prudential for non-payment of disability benefits to deserving claimants
- Office medical specialist suffering with fibromyalgia and CFS hires Arizona Disability Attorney to sue CIGNA for denial of disability benefits
- Disabled Unisys network design engineer sue Aetna Life Insurance Company seeking payment of long term disability benefits
- Prudential Insurance pays disability benefits for 12 years to former Prudential employee then denies claim
- Lincoln Nebraska man suffering from fibromyalgia and chronic fatigue syndrome sues UNUM when he is denied disability benefits
- Federal Court provides 5 reasons CIGNA wrongfully denied disability benefits to man suffering from chronic fatigue syndrome
- The evolution of denying fibromyalgia and chronic fatigue syndrome claims in group long term disability policies
- Disability company ignores evidence of disabling back pain and Federal Court reverses disability benefit denial
- Court reverses MetLife’s denial of long term disability benefits for graphic designer suffering with fibromyalgia
- Chronic Fatigue by Trine Tsouderos
- CNN article discussing disabling chronic pain conditions for women
- Fort Dearborn denies long term disability benefits to woman with fibromyalgia and CFS
- MetLife denies chronic fatigue syndrome long term disability claim
- New York court rules that MetLife abused discretion when it denied chronic fatigue claim (Part II)
- Disability attorney wins claim for Chronic Fatigue Syndrome client against Unum Provident (Part II)
- Unum Provident denies short-term disability claim to woman with chronic fatigue syndrome (Part I)
- Unum issues disability insurance benefits to currency trader suffering from depression and chronic fatigue
- Unum Provident terminates disability benefits to woman with chronic fatigue syndrome (CFS) (Part I)
- Arizona Court rules Provident wrongfully terminated disability benefits to insurance manager with CFS (Part II)
- Aetna denial of long-term disability benefits for chronic fatigue syndrome upheld by Court