There are a number of medical conditions which seem to raise a “red flag” for insurance companies. Fibromyalgia is one of them. Insurance companies react negatively to Fibromyalgia long term disability and short term disability claims, discounting the effects that this disease can have on an individual.
Insurance companies try to deny the claim because of the supposed “subjective” nature of the pain caused by fibromyalgia. They routinely ignore the complaints of pain even though case law specifically disallows such an action. Insurance companies also discount the diagnostic testing that has been developed to substantiate the diagnosis.
There are numerous related conditions such as chronic fatigue syndrome, sleep disorders, memory problems and related arthralgias associated with Fibromyalgia. There can be many medical conditions that can combine to render a claimant disabled. Insurance companies will try to parse through all of these conditions in order to attempt to discount them one by one.
In this regard, any policy language that attempts to limit your Fibromyalgia long term disability or short term disability claims is of importance. If there is an effort to pigeonhole your claim by this language, the attorneys at Herbert M. Hill, P.A. can help. However, this post is not intended as legal advice; its sole purpose is to give a general idea of the existing status of the law as it applies to the points addressed above. Please do not rely on these comments as legal advice or make legal decisions based thereon.
If you have questions about Fibromyalgia long term disability claims, you should contact Herbert M. Hill, P.A. Long term disability claims represents over 90% of the cases handled by our law offices.We welcome the opportunity to discuss your case with you, at no charge. You can contact our office at 407-839-0005 or hmh@herbertmhill.com. If you’d like, we can set up a meeting, free of charge with no obligation to discuss this issue further.
While the vast majority of Herbert M. Hill, P.A., cases handled are for disability insurance benefits, areas of practice include employee benefit claims of all sorts. The firm handles any claims arising under the Employee Retirement Income Security Act (known and referred to as “ERISA”) for disability benefits, medical benefits, retirement benefits, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies.
