Your insurance company may withhold Chronic Fatigue Syndrome Disability benefits from you for a number of reasons. Here’s how to prevent that from happening.
First, what’s Chronic Fatigue Syndrome?
Chronic Fatigue Syndrome is a diagnosis much maligned by insurance companies. It is also referred to as Systemic Exertion Intolerance Disease (“SEID”) as well as Myalgic Encephalomyelitis. The cause of the condition is not specifically known; it ranges from viral infection to hormone imbalance or immune system deficiencies. A rheumatologist is a specialist who routinely diagnoses and treats this condition; rheumatologists agree, this ailment is usually triggered by a number of contributing factors. The insurance companies like to suggest there is no single test to confirm it but the truth is, with proper testing and examination, the diagnosis can be confirmed.
The symptoms associated with Chronic Fatigue Syndrome, Systemic Exertion Intolerance Disease, or Myalgic Encephalomyelitis, can include headaches, unexplained muscle or joint pain, loss of memory or concentration, extreme exhaustion, unrefreshing sleep, enlarged lymph nodes and/or a sore throat. Treatment generally includes exercise, medications, and therapy in the form of cognitive training.
In terms of a Chronic Fatigue Syndrome Disability benefits claims, it is important that any policy language which attempts to limit your benefit entitlement does not limit your claim.
Insurance companies often will refuse to believe your subjective complaints because they deem all claimants untrustworthy. Of course, they took your premiums but now suggest they don’t believe you and won’t give you Chronic Fatigue Syndrome Disability benefits. If there is an effort to limit your claim in this way, the lawyers at Herbert M. Hill, P.A. have routinely handled these kinds of issues. Please keep in mind that this is not intended as legal advice applicable to your claim. Its purpose is to discuss the point of law mentioned above. You cannot rely on the foregoing comments as legal advice on which you can base any decision making.
If you still have concerns about Chronic Fatigue Syndrome Disability benefits, you should contact an attorney who handles claims involving policies of Short Term Disability insurance or Long Term Disability insurance. At Herbert M. Hill, P.A., these are what we do. We welcome the opportunity to discuss your case with you, at no charge. You can contact us at 407-839-0005, 844-454-5995 or at hmh@herbertmhill.com.
After discussing your case, we can set up a conference. For most circumstances, that conference would be free of charge. You would not be under any obligation to hire me.
Herbert M. Hill, P.A., is located in Orlando, Florida with a practice that extends throughout the state. While the vast majority of the cases we handle are for disability insurance benefits; other areas of practice include employee benefit claims of all sorts. Our firm handles any claims arising under the Employee Retirement Income Security Act (“ERISA”), disability benefits, retirement benefits, medical benefits, pensions, 401ks, termination agreements and the like, as well as claims arising under private disability policies.
