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Your Psychiatric Exams, Fibromyalgia and Chronic Fatigue Claims

Long Term Disability carriers may accept the diagnosis of chronic fatigue and Fibromyalgia yet deny a claim on the basis that you are employable. It is not uncommon for Long Term Disability Insurance companies to have an “independent paper review” by a physician who has been hired by the carrier. More often than not this paper review, or even an independent medical evaluation physician who has been hired to evaluate, will conclude that you meet the diagnostic requirements requiring fatigue. However, they will claim that despite having the physical and psychiatric limitations normally seen in Chronic Fatigue Syndrome case, you still...

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Games Played by the Long Term Disability Carriers in Chronic Fatigue and Fibromyalgia Claims

If you have been diagnosed with Chronic Fatigue Fibromyalgia and are receiving Long Term Disability benefits during your own occupation stage, be prepared to have your claim to be challenged and/or denied when the definition of disability changes from “own occupation” to “any occupation.” You will most likely receive a letter from your Long Term Disability carrier indicating that they are going to be reviewing your claim. What that means is that you are being set up for a claim’s denial. They will be contacting your doctor to determine your restrictions and limitations, they will schedule a functional capacity evaluation, place...

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Long Term Disability Claims and Chronic Fatigue Syndrome: Are You Really Disabled?

Chronic Fatigue Syndrome disability lawyer Nancy Cavey knows that a mere diagnosis of Chronic Fatigue Syndrome does not guarantee that you will get your Long Term Disability benefits. A Long Term Disability carrier who is evaluating a claim based on Chronic Fatigue Syndrome will look to see whether or not you have an impairment that makes you unable to perform the material and substantial duties of your own occupation. It is not uncommon for Long Term Disability carriers to acknowledge the diagnosis of Chronic Fatigue Syndrome that have a peer reviewed physician or independent medical review physician determine that you are still...

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Own Occupation Claim for Long Term Disability Benefits and Fibromyalgia

Your Long Term Disability policy may provide that you are entitled to disability benefits if you are unable to engage in your own occupation. The Long Term Disability carrier will ask your treating physician to complete a physical capacity form and address your restrictions and limitations. It is crucial that your doctor accurately fill out your ability to work taking into consideration your side effects of medication, fatigue, difficulty concentrating and pace. Sometimes treating physicians will be optimistic about your abilities and suggest that you can return to work on a trial basis with certain restrictions and limitations. If you do attempt to...

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Fibromyalgia and Chronic Fatigue Long Term Disability Claims: Proving Vocational Causation

It is not uncommon for Long Term Disability carriers to acknowledge that a Long Term Disability applicant who suffers from Chronic Fatigue Syndrome or Fibromyalgia is in fact disabled but yet they deny the claim for Long Term disability benefits on the basis that they are still capable of working. Long Term Disability Fibromyalgia and Chronic Fatigued denied claim lawyer Nancy Cavey, knows it is important to develop the medical evidence that fully explains your physical restrictions and limitations, side effects of medications and difficulty with concentration, pace and duration. One of the keys to establishing that there is a causation between...

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Fibromyalgia Long Term Disability Claims Three Things Every Long Term Disability Applicant Should Know

Nancy Cavey, Tampa/ St. Petersburg Fibromyalgia Long Term Disability attorney knows that there are three things that the Long Term Disability carrier is looking for in every Fibromyalgia Long Term Disability claim. First, there must be evidence to support the diagnosis of Fibromyalgia. Secondly, there must be evidence that your Fibromyalgia is causing certain physical restrictions and limitations that result in you being disabled. Thirdly, there must be casual relationship between your diagnosis and disability and your inability to work. Many people with Fibromyalgia are able to work, but there are others that are unable to work. It is important that the medical evidence being...

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Fibromyalgia and Your Claim for Long Term Disability Benefits/ Florida Long Term Disability Benefits Denied Lawyer

One of the most important things a Fibromyalgia sufferer can do is to know their Long Term Disability policy. Long Term Disability policies can exclude or limit claims involving Fibromyalgia or Chronic Fatigue. Some of these policies will actually exclude or limit the disease by specifically saying that Fibromyalgia of Chronic Fatigue is either excluded or benefits are limited to two years. Other policies will hide this limitation by using terms that limit Long Term Disability benefits for conditions that are primarily based on “self reported” symptoms. Unfortunately, the Long Term Disability policy doesn’t define “self reported.” Knowing what is in your policy can...

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Cardiac Long Term Disability Claims Denied as a Result of Vocational Opinions Florida Disability Claims Denied Lawyer

It is not uncommon for Long Term Disability applicants who have cardiac problems to be denied Long Term Disability benefits on the basis that they can return to their own occupation or any occupation within the national economy. Long Term Disability carriers will routinely use vocational evaluators to render an opinion that you are capable of returning to old job or some job in the national economy. If that, in fact, were true you wouldn’t be applying for Long Term Disability benefits. People who have heart conditions are evaluated under a permanent impairment guide that is based on your cardiac functionality. There are...

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Long Term Disability Carrier’s Use of Vocational Experts in Claims Denials

I am sure that you have never heard of a vocational evaluator. Unfortunately every Long Term Disability applicant is going to get an education about vocational evaluations and their impact on your Long Term Disability claim. A vocational evaluator will try to determine your residual functional capacity by reviewing your medical records. Your residual functional capacity is a disabled persons remaining physical and mental work potential even in spite of their disabling condition. It is very important that your doctor accurately fill out a residual functional capacity scale so there is no question in the vocational evaluators mind about your restrictions and...

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Surveillance Video and the Life of a Long Term Disability Applicant

If you are applying for or receiving your Long Term Disability benefits, you should assume that you are being watched and video-taped by the Long Term Disability insurance company. Video surveillance is being done in an effort to catch you doing activities that could be used against you. The Long Term Disability carrier is going to ask you to complete Activity of Daily Living forms. Florida based Long Term Disability attorney Nancy Cavey has written the go to free book for Long Term Disability applicants and recipients about how to fill out Activity of Daily Living forms. You should be discussing with...

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