Understanding CFS/ME Disability Claims
Chronic fatigue syndrome (CFS), also referred to as myalgic encephalomyelitis (ME), are debilitating illnesses for those who are afflicted. Symptoms such as extreme tiredness and fatigue are chronic and won’t go away — leaving everyday tasks a challenge to complete. One of the main obstacles of CFS/ME claims is that these symptoms often mimic other diseases such as lupus or hypothyroidism, thus making it difficult for doctors to diagnose.
Proving CFS/ME in a long-term disability case can be trying and is often denied by insurance companies. Here’s what you need to know should you need to appeal a denied decision.
Why Are CFS/ME Claims So Challenging?
There are no diagnostic tests that can be used to help diagnose CFS/ME. Doctors are often left to rule out other conditions and rely on their experience and expert opinion when it comes to a definite diagnosis. Insurance companies typically look for diagnostic evidence, and without it, it can increase the chances of a denied decision.
While the top reason for CFS/ME claim denials are due to lack of diagnostic testing, errors in filing paperwork, and other missing information can also be detrimental to the outcome of your claim. Insurance companies look for the smallest mistakes to deny a claim.
It’s also important to know that the doctors conducting your independent medical exam work for the insurance company, and often side with them over the patient. However, having an experienced long-term disability lawyer in your corner should you need to file an appeal can 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 vital. 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.
