• Lyme Disease Long Term Disability Insurance Claim Tips
  • Prudential Disability Insurance Claim Trends, Lyme Disease and Neck Disorders

Lyme Disease Disability Insurance Claim Help From Lawyers

Our disability insurance attorneys understand how the nature of Lyme disease can result in significant limitations and struggles if not diagnosed quickly. However, many physicians do not properly diagnose Lyme disease from the initial stages. Lyme disease is a controversial diagnosis among the medical community and disputed within numerous medical publications. We have helped numerous claimants suffering with Lyme disease and our disability lawyers are familiar with all of the arguments used by the disability insurance companies. The tests used to detect Lyme antibodies, the enzyme-linked immuno sorbent assay (ELISA) and the Western blot, only have a 60 percent chance of accurately indicating the presence of the disease. Because several factors can affect the incidence of the antibodies, countless infected patients are turned away with a false negative test result. Additionally, about one out of four individuals who get Lyme disease never develop the most common sign of the disease – a rash. This is why many do not know they have the disease until it reaches the devastating second and third stages. Once these stages are reached after being left untreated, individuals with Lyme disease may be severely affected by mild to serious long-term disabling conditions.

If you or someone you love is suffering from the symptoms associated with Lyme disease, talk with our firm about securing benefits from your disability insurance provider. We will share with you our past experiences with Lyme disease disability claims and let you know how we can assist you. We have helped claimants such as a vice president of a fortune 500 company disabled by Lyme Disease to numerous school teachers. Disability companies will not deny that Lyme disease exist, but they will argue that it is not a permanently disabling medical condition. Our attorneys will work closely with you and your doctor(s) to make sure that the proper medical documentation necessary to support you claim is presented.

Disabling Disorders Caused by Lyme Disease

The disease is carried by deer ticks found in the northeastern and central northern regions of the United States, as well as by the western black-legged ticks which are found mostly on the Pacific Coast. These ticks can spread the disease to animals and humans through their bite, and subsequently into the bloodstream or lymphatic system. The disease can begin to involve the joints, bones and muscles as it progresses throughout the body. These symptoms can be disabling to sufferers as the disease not only affects them physically but also cognitively. Disability companies will not deny that Lyme disease exist, but they will argue that it is not a permanently disabling medical condition.

During the late stages of Lyme disease, it can spread to other parts of the body such as the heart and nervous system. An individual may feel an irregular or slow heartbeat if the disease spreads to the heart.

Nervous system disorders caused by late-stage Lyme disease may include:

If you have a claim for disability benefits as a result of Lyme Disease, our disability lawyers can help you at any stage of your claim for short or long term disability benefits. Contact us for a free immediate consultation.


To learn more about Lyme disease, visit the following links for more information:

You may also return to this page to continue receiving updated information regarding changes in Lyme disease disability benefit laws and news articles.

Cases & Claim Tips (17)

Comments (7)

  • Chronic Lyme disease for over ten years, the most horrible horrible life and all this time I was to I was crazy been there done that to medical records say I’m not crazy I am suffering chronic depression due to illness.

    Pamela Jul 7, 2022  #7

  • I have been diagnosed with three different types of Lyme disease and Morgellons disease. I have had this condition for about 27 years now and I would like to file for disability please.

    Darla K. Jun 17, 2021  #6

  • I am homebound and very disabled. I have a PICC line. My son is also affected by Lyme and co-infections. We could sincerely use your help.

    Becki Sep 8, 2020  #5

  • Sharon, I don’t see how this is discrimination based on the information you provided but you should contact an attorney familiar with the Medicare program if you feel you are being discriminated against.

    Victor Pena Jun 13, 2018  #4

  • I have had ld since 1988… was diagnosed in 2000… I am having significant pain lately and even inflamation in my feet. The ortbo podi wrote a prescription but medicare is refusing to pay for it. I am on my feet most of the day, as a manager/cook… soon I will have to quit because of my feet hurting so bad… I NEED inserts for my shoes because of this medical condition… medicare is ONLY allowing them covered for diabetes or amputation… this is discrimination… I am white.

    Sharon Jun 12, 2018  #3

  • Dolores,

    Thank you for sharing your extremely helpful information about this terrible disease.

    Gregory Dell May 15, 2012  #2

  • Lymes – I would get all these tests – Western Blot for Borrelia, also test for Borrelia hermsii, and Babesia duncani and microti and Quest can test for duncani, Bartonella henselae and quintana, Brucella, Tularemia, Coxiella burnetti or Q fever, many rickettsias ie Rocky Mountain Spotted Fever, Typhus, Ehrlichia, Anaplasma phagocytophilum, EBV, CMV, all Coxsackie viruses, and now Powassan virus and its cousin Deer Tick Virus, HSV 1 and 2, HHV 1-8 if available. Parvovirus B -19 papillomaviruses, Toxoplasmosis, Chlamydias and Mycoplasmas and get genetic tests for hypercoagulation like Mthfr and Factor V leiden, and test all your IgG subclasses 1-4, and CD 57 and C3a and C4a and CBS mutations and HPU/KPU and mold testing since so many of us have issues with mold. ECP or eoisonophil cationic protein seems to suggest to docs that you have babesia. Also transfer growth factor b-1 and Beta Strep. High CD 57 counts may be associated with Beta Strep. Heavy metals have a part in this and we are low in Secosteroid D or vitamin D and some are low in Potassium and others iron. Many are deficient in all amino acids. Our hormones are a mess and the whole HPA Hypothalmic pituitary axis is the problem. We can have problems with our adrenals and thyroid – we do not convert T4 to T3 and in my case I have high reverse T3 or rT3. We are quite low in testosterone as well. Check out every hormone in your body, amino acids and vitamins and minerals. There are over 100 viruses we can get from a tick and also many parasites. The labs that insurance covers can’t find a parasite when we can see it under the microscope. Quest at Nichols Institute in Valencia California can culture samples and might even be able to distinguish Brucella suis from melitensis or arbortus. We also need an MRI of our brain with and without contrast. Many lymes are showing up with pituitary adenomas and pheomchromocytomas. Make sure that you do not have these. I have spent years trying to figure out what is in us and so far this is what I have seen. Unfortunately when your physician may take years to order all the necessary tests. Make sure you get tested sooner rather than later. One more thing… you may get tested for Brucella today and 2 years from now may show up IgM positive. The immune system is overwhelmed with all these pathogens. This is unconscionable for MetLife to deny her disability and since my daughter has missed one full year of high school with this I am simply disgusted. This denial of a devastating problem has got to stop and we need for our useless government to get involved and protect its citizens.

    Dolores Claesson May 10, 2012  #1

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Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Ken A.


5.0 stars


Most likely… if you are reading this now… you are searching for ‘The Right Disability Attorney’! Realizing that no professional, including Greg Dell, can make everyone happy, the attorneys at Dell attempt to. They are still representing my best interests and have literally collected every dime I am entitled to under policy. Insurance companies know that Greg Dell’s firm is large enough to have assets sufficient to fight if necessary. They won’t ‘roll over’ because they don’t have the money to stay in the ring. Your insurance company, I assure you, know who ‘Greg Dell’ is. After they receive that 1st letter from Mr. Dell, putting them on notice that they are no longer to contact you, (that ALL correspondence goes through him)… I assure you their ‘method of operation’ changes gears. Please listen to me.

It has been my experience that once you call your insurance carrier and tell them you are even ‘thinking about’ filing a claim – their ‘helping hands’ attitude changes immediately. You are no longer an asset… you have now become a ‘liability’. Your insurance carrier knows that they will never make another dime from you. From now on you will only cost them money… perhaps for the rest of your life. It’s just business folks… we try to mitigate liabilities. If they can find a way to stall, question and deny… most likely they will.

Understand that insurance companies make money three ways:

1. Collecting premiums.

2. Investing revenues.

3. Denying claims.

They have already collected your premiums and will now determine if they can justify denying your claim… they simply will.


If you are a professional and find yourself in the unfortunate position of filing a disability claim – I admonish you to not try this on your own!


Your decision is whether to hire a “disability claims consultant” or an “attorney” which specializes in professional disability claims. You’d be wise to decide upon the later. The reason being an attorney has “power” and “authority” and actually “represents you”. He/she has authority (power of attorney) to actually communicate with your insurance company and do “Whatever It Takes”. A disability claims consultant does exactly that… they “consult” with “you” (not the insurance company) and make recommendations… they tell you what to say and do.

Mr. Dell notified my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim. 5 years later I have received every single payment, in full and on time!

If you have not decided yet… please listen to me. You are about to step on the field of battle with Goliath. You must never forget that these insurance people are good… very good. They know what they are doing. All day long claims adjusters look for ways to deny claims. They know all the tricks. Unless you are King David… you are going to need much more than a rock.

In conclusion consider this… right now you are not looking for a friend. You need someone who knows what they are doing… and does it exceptionally well. Do yourself a favor and call Greg… call him right now. I assure you… you’ll sleep much better tonight!

***** 5 stars based on 202 reviews

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