The complicated nature of chronic fatigue syndrome can make filing a disability claim for this condition both challenging and confusing. The main characteristic of CFS is extreme fatigue that cannot be traced to an underlying medical cause. If you have questions about whether you are eligible for chronic fatigue syndrome disability benefits, a disability attorney at the CJ Henry Law Firm, PLLC can help.
Because the causes and impact of CFS are often vague and difficult to pinpoint, many insurance companies will refer to CFS disability cases to the Centers for Disease Control (CDC). They rely on the expertise of the organization to examine a request to determine its legitimacy. According to the CDC, the following symptoms must be present:
However, there is an additional list of symptoms, of which at least four must also have been present during the previous six months. These include:
Unfortunately, all too often people who are suffering from CFS fail to seek medical help at the outset. They often believe it is an issue that will resolve itself. It is only over time that they recognize there is something seriously wrong. We cannot stress enough the importance of seeking medical help as soon as possible. All visits, symptoms, and diagnoses should be accurately chronicled in your medical records. This will be valuable in ensuring you can receive chronic fatigue syndrome disability benefits.
Persons with chronic fatigue syndrome are usually unable to meet the expectations of their employment. Their only choice may be long-term disability benefits (LTD). Upon receipt of the application for chronic fatigue syndrome disability benefits the insurance company will examine the request and then decide the validity of the claim according to their LTD guidelines.
The insurance company will base its decision on your medical records as well as information gathered from the application process itself.
Under most policies, an individual has a disability if he or she is unable to perform expected duties of their job during years one and two of the policy and are unable to perform work of nearly any type of employment after that. This may vary among policies, so you should know the LTD expectations for chronic fatigue syndrome disability according to your company.
The best way to ensure a successful claim is to have available confirmation of CFS according to clinical or laboratory findings that are medically acceptable. The insurance company may rule on your claim based on this alone. Even so, to be awarded chronic fatigue syndrome disability you should provide the following:
Insurance companies will pay for various records up to a certain amount.
You have a better chance of securing a chronic fatigue syndrome disability award if you can medically verify the following symptoms:
Validation of a case of CFS is difficult in even in cases with significant evidence. Winning a chronic fatigue syndrome disability can be both a long and time-consuming process.
Contact CJ Henry Law Firm to speak to an experienced attorney who can help you navigate your chronic fatigue syndrome disability claim.