Does Long-Term Disability Cover Chronic Fatigue Syndrome?
What Is Chronic Fatigue Syndrome?
Chronic fatigue syndrome (CFS) is a disorder that causes extreme tiredness and fatigue that won’t go away. Also referred to as myalgic encephalomyelitis (ME), in many cases, it can be debilitating. CFS/ME can be challenging to diagnose due to many other illnesses, and conditions can mimic the same symptoms.
Unfortunately, there are no diagnostic tests that can positively identify CFS/ME in an individual. A diagnosis of chronic fatigue syndrome can only be made through ruling out other causes of fatigue and tiredness. When it comes to filing long-term disability for CFS/ME, it can be a complicated process and difficult to prove. Here’s what you need to know.
Symptoms of CFS/ME
You may have CFS/ME if you are experiencing the following symptoms:
- Extreme fatigue that worsens with exertion and does not improve with rest.
- Flu-like symptoms such as body aches, swollen glands, and sore throat.
- Feeling “foggy,” lack of concentration, cognitive impairment.
- Sensitivity to light, noise, and chemicals.
Why CFS/ME Disability Claims Are Complicated
CFS/ME claims can be difficult to prove since many physicians are reluctant to make a diagnosis without diagnostic testing that can produce evidence of the condition. Insurance companies are notorious for denying long-term disability claims.
The doctors hired by long-term disability providers will often contradict the diagnosis. They will typically report that the symptoms are not debilitating, therefore, leaving the affected individual without the disability benefits they deserve. CFS/ME disability claims can be extremely complex. Having a disability lawyer in your corner is the best way to increase your chances of a favorable decision.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex, making hiring an experienced disability attorney important. All disability lawyers at this law firm focus on disability insurance claims, and we have expertise in disability insurance law.
That means we have:
- Experience with every major disability insurance company;
- A proven track record of success by winning major disability lawsuits;
- Recovered millions of dollars in disability benefits for clients;
And, we never charge fees or costs unless our clients get paid.
The firm can help at any stage of your disability insurance claim, including:
- Submitting a disability insurance claim;
- Appealing a long-term disability denial;
- Negotiating a lump-sum settlement; or
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call to speak with an experienced disability attorney. Consultations are free.