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Epstein-Barr Virus Can Result in A Disability Insurance Claim?

The Epstein-Barr Virus, also known as Mono can require a person to seek legal help filing a short or long term disability claim. Learn more from our disability attorneys.

Epstein-Barr virus is a member of the herpes virus family and one of the most common human viruses. Most claims bases primarily on Epstein Barr are short term disability claims. Although many individuals recover after a few months, the Epstein-Barr virus will remain dormant in the body for life. This virus and the secondary infections it can cause may make it difficult for individuals to continue working while experiencing symptoms. Because the Epstein-Barr virus is viewed by medical professionals as only a temporary inconvenience, disability insurance providers will often deny individuals the benefits they need. In most claims with Epstein-Barr Virus, there are usually other associated medical conditions which limits a claimants ability to work.

Our disability insurance attorneys understand the struggles you are facing with your Epstein-Barr symptoms, and know that it is unfair that you have to continue fighting to prove your inability to work. Contact us if you would like to appeal your individual or group policy claim, as well as if you need assistance applying for disability benefits.

What is the Epstein-Barr Virus?

In the United States, roughly 95 percent of all adults have been exposed to the Epstein-Barr virus. This virus is known to cause serious infections such as infectious mononucleosis (mono). Teenagers and young adults can catch mono by kissing or having other intimate contact with someone infected with the Epstein-Barr virus. This is why mono is commonly called the “kissing disease.”

Individuals with an acute mono infection can suffer from a range of symptoms, including:

  • Fatigue
  • Fever
  • Sore throat
  • Swollen lymph nodes
  • Enlarged spleen and/or liver
  • Jaundice
  • Swelling around the eyes
  • Skin rashes

People may also experience serious complications as a result of the Epstein-Barr virus, such as:

  • Seizures
  • Nerve damage
  • Behavioral abnormalities
  • Encephalitis
  • Meningitis
  • Anemia
  • Blockages of the airways caused by swollen lymph nodes

The infection usually begins with a general feeling of illness, similar to the common cold. In addition to these beginning symptoms, most individuals suffering from an acute mono infection will experience a feeling of extreme fatigue that can last several days to a week. Fatigue is usually most pronounced during the first two to three weeks, but can last six weeks or longer. This extreme exhaustion as well as the other symptoms and complications can make keeping your employment very difficult.

Currently, there is no known cure for the Epstein-Barr virus, nor is there any method for protecting against a mono infection. If you are struggling with these serious symptoms after a mono infection and are unable to work, contact our disability insurance lawyers today for a free consultation and review of your disability claim.


To learn more about the Epstein-Barr virus, you can visit the following site:

We are constantly updating our information and news stories regarding the Epstein-Barr virus. Please continue to visit the site in order to stay informed about the latest disability benefits and laws affecting you.

There are 8 opinions so far. Add your comment below.

Juan O.:

Hi I have mono no long ago I was three weeks in hospital and other four to five weeks whiout work because I was terribly weak and I can’t walk right needing help all that time. I’m truck driver the company I work have a desability insurance hiding to the workers the office and manager don’t give information to us driver. Can I have a claim in their insurance.? I will appreciate any information may be your firm can represent me ?

Attorney Stephen Jessup:

Juan, if you are covered under an employer provided short and/or long term disability policy then you could certainly make an application for benefits for the time period that you missed.

Helen B.:

I’ve had chronic mono for 3 years and over that time have missed much work. There are also other complications for which I’ve missed work: PTSD & Black mold exposure/toxicity. As you know, the latter is rarely recognized as a ‘real thing’ by western doctors. Last fall I applied for short term disability for PTSD and was denied both initially and in my appeal. This winter my Mono antibodies were over 750 per lab tests (should be under 17). I am currently on intermittent FMLA for mold exposure and PTSD. I am only able to work 3-6 hours/day and only 3-4 days/week.

Since both PTSD and mold have aggravated my chronic EBV considerably to the point I cannot work at full capacity, can I apply for long term disability for EBV? Would it be recommended to re-apply for Short Term first?

Thank you

Attorney Stephen Jessup:

Helen, did you return to work after the denial of your STD claim last fall? If yes, you will likely need to file a new claim for STD before any applicable period of LTD. Please feel free to contact our office to discuss your situation in greater detail. It would also be very helpful to have copies of your STD and LTD policies as well as the denial letters from the claim last fall.


My son has been diagnosed with mono and I will be out of work for at least a month because I am his primary caregiver. Can I file a claim?

Attorney Rachel Alters:

Anonymous, I don’t think you would qualify as you need to be disabled under the terms of the policy and the policy will likely not cover you for taking care of a sick family member.


I am currently on STD for Mono. I left work early sick on a Friday and called in sick on Saturday, October 7th. I went to a doctor with a sore throat on a Monday and she wrote me a note but on Tuesday it was so bad I ended up in Urgent Care. They ran blood work and I tested positive for Mono. It impacted my lungs as I have Asthma and had an ER visit and multiple breathing treatments. I have been prescribed antibiotics and steroids and am now on a steroid inhaler. The urgent care wrote me a note off until this Monday the 29th and are supposed to be completing a Return to Duty for tomorrow, but I am still fatigued and using the steroid inhaler to help me breathe.

My job requires a minimum of 5 hours talk time on the phone, so I don’t feel like I will be able to go back to a normal routine at work without worsening my symptoms. My employer has been adamant that they either need a note or the return to duty form if I am not there because I do not qualify for FMLA being there less than a year. My STD claim is with Liberty Mutual and they have not made a decision yet. I have considered resigning because I feel too ill to return and my doctor’s don’t feel that fatigue is a bad enough symptom for me to miss work and is not supportive of my health as much as I would like. What would be the best course of action from here as it pertains to my STD claim?

Victor Pena:

Kristin, without support from a medical professional you will have a difficult time getting your claim approved. You should search for another doctor who can certify your disability. Claims based on fatigue can be difficult to get approved but your doctors should not ignore all the symptoms you are experiencing including the breathing issues and fatigue which could be a side effect from your medication(s). Keep trying to find a supportive doctor.

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