Disability insurance companies don’t always make it easy for policyholders who have chronic fatigue syndrome fibromyalgia to get the disability benefits they deserve. In fact, be prepared for a fight: Disability carriers hate these types of claims.
The Common Reasons Disability Carriers Deny Chronic Fatigue Syndrome Fibromyalgia Disability Claims
Many chronic fatigue syndrome/fibromyalgia claims are denied because the disability insurance company says:
(1) There is no objective basis of the chronic fatigue syndrome/fibromyalgia,
(2) There is no objective basis for the restrictions and limitations assigned by your physician,
(3) There is no causal relationship between your chronic fatigue syndrome fibromyalgia and/or your restrictions and limitations, and your inability to do your own or any occupation.
(4) There is no reason you can’t work in a sedentary capacity.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with chronic fatigue syndrome fibromyalgia. She overcomes a claims denial by working closely with you and your physician.
If you are ready to file a disability application and want to improve your chances of getting disability benefits, or if your claim for chronic fatigue syndrome fibromyalgia disability benefits has been denied, it is time to call Nancy Cavey.
She offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Is Chronic Fatigue Syndrome Fibromyalgia?
There is no gold standard test for chronic fatigue syndrome/fibromyalgia. The diagnosis is based, in part, on subjective complaints. Many disability carriers have position papers on chronic fatigue syndrome/fibromyalgia that dispute the existence of these conditions, discount the subjective symptoms and reject any notion of disability.
That is why it is crucial that you have an attorney who understands chronic fatigue syndrome fibromyalgia and knows how to gather the necessary medical and vocational evidence required to approve a claim.
What Are The Symptoms of Fibromyalgia?
Fibromyalgia is a poorly understood medical condition that doctors once thought was “all in the head” of the patient. The American College of Rheumatology developed criteria for a diagnosis of fibromyalgia that includes widespread pain in all four quadrants of the body that has lasted for at least three months, 11 out of 18 trigger points and other symptoms that are typically seen.
These symptoms can include:
The American College of Rheumatology approved another set of guidelines in 2010 that includes widespread pain and a scale to measure the severity of symptoms. Physicians may use one or both tests in making the diagnosis.
Many carriers ultimately acknowledge a diagnosis of fibromyalgia but contend it is not disabling. A Functional Capacity Evaluation (FCE) or other test may provide objective evidence of how fibromyalgia affects your ability to work on both a physical and a cognitive basis.
What Are The Symptoms of Chronic Fatigue Syndrome?
Like fibromyalgia, there is no known cause or gold standard test for a diagnosis of chronic fatigue syndrome (CFS). The nine official signs and symptoms include:
It is crucial that you provide the result of a Functional Capacity Evaluation or cognitive testing that objectively documents your functional limitations.
How Do I Get The Disability Insurance Benefits I Deserve?
Chronic fatigue syndrome/fibromyalgia can make it difficult, if not impossible, to do things around your home and work. If you no longer can work or your doctor has told you to apply for disability, before you apply for benefits, you should:
Your policy can include a self-reported limitation. It limits how long you can get benefits that result from self-reported symptoms, including problems with pain, memory loss or fatigue. You’ll want to know what’s in your policy before you apply for benefits.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Chronic fatigue syndrome aka fibromyalgia can make it difficult, if not impossible, to work. You owe it to yourself and your family to get help today! Nancy Cavey can review your policy and your medical records, and explain to you what your policy says and how to get your disability benefits. Call today for a free consultation at 727-894-3188.