Fatigue Syndromes disability claims can be difficult to win. The two big fatigue syndromes are Chronic fatigue syndrome (“CFS”) and Fibromyalgia (“Fibro”). They are commonly the basis for a long term disability insurance claim with Liberty Mutual.
Disability claims have a higher chance of being denied or terminated if the disability is based on subjective medical evidence. This includes pain or fatigue that is reported by the patient.
CFS and Fibro are examples of conditions based on subjective medical evidence. No lab tests or x-rays can prove it. There is no real test to prove the symptoms. It is based on the pain the patient experiences.
Chronic fatigue syndrome is a complex disorder. It causes constant, severe fatigue. CFS cannot be tied to a set condition. The cause of fatigue syndromes disability is not known. There is also no one test to confirm the diagnosis. Some symptoms of CFS include continued tiredness, memory or focus issues, sore throat, muscle pain and sleep that does not bring rest.
Fibromyalgia is a disease that affects the brain and nervous system. It affects almost every part of the body. People with Fibro have low energy, headaches, stiffness, stomach issues, mental fog, tiredness after exercise and depression. These come and go, and differ in intensity. Fibro is hard to diagnose because other medical conditions have the same symptoms. There is no cure for Fibro.
Disability insurance companies like Liberty Insurance deny or terminate claims based on conditions like CFS and Fibro. Sometimes they exclude or limit disability payments for these conditions. They can do this through the insurance policy language. They may also try to turn the claim into a mental health disability.
Both tactics will limit or ban disability payments. Even if the condition is not limited in the policy, you can expect push back from Liberty if your claim is based on CFS or Fibro. Liberty’s paid doctors often dispute the diagnoses or claim the symptoms are not as great as reported.
While getting long-term disability benefits based on subjective medical conditions can be hard, it is not impossible. If you or someone you know is suffering from Chronic fatigue syndrome, fibromyalgia, or any other disabling condition contact the attorneys at Dabdoub Law Firm. The skilled long-term disability attorneys can help undo the denial or termination or file a lawsuit in court to fight for your benefits. Your Chronic Fatigue Syndrome Fibromyalgia disability claim can be successful.