Disability insurance companies don’t always make it easy for policyholders who have Lyme disease to get the disability benefits they deserve.
Lyme disease is a complex, multi-system inflammatory disease that affects major organs in your body. The diagnosis is complex and, unfortunately, many patients are misdiagnosed with multiple sclerosis, chronic fatigue syndrome, rheumatoid arthritis, or they’re told it is all in their heads.
Because of the wide variety of symptoms and the long period of incubation, it can be challenging to get a correct diagnosis. That is one of the reasons disability carriers are notorious for denying and terminating many Lyme disease claims.
Common Reasons Lyme Disability Claims Are Denied
Disability carriers often argue that coverage under the policy is excluded because of the pre-existing condition clause, or that benefits are limited under the subjective limitation clause. Headaches, pain, fatigue and side effects of treatment can be the most disabling symptoms, but they are subjective complaints. Carriers routinely dispute them.
It is not uncommon for policyholders to have had Lyme disease for years and not been disabled. You will have to overcome the carrier’s argument that you have been working with these problems for years and nothing has changed. It is crucial that your medical records develop the progression of your symptoms.
Carriers often argue that treatment will allow you to continue to work so you couldn’t possibly be disabled.
As a result, many disability claims for Lyme disease are denied. Carriers also deny claims saying:
(1) There is no objective basis of the diagnosis because you didn’t have a bull’s eye rash, you have no history of tick bites, and the Western blot and ELISA tests are negative,
(2) There is no objective basis for the restrictions and limitations assigned by your physician because of your Lyme disease or any restrictions aren’t permanent,
(3) There is no causal relationship between your Lyme’s disease and/or restrictions and limitations, and your inability to do your own or any occupation.
Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with Lyme’s disease. She overcomes a claims denial by working closely with you and your physician. She has seen first-hand clients suffering the devastating effects of Lyme disease and understands what you are going through.
Nancy Cavey offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.
What Are the Symptoms of Lyme Disease?
The symptoms can vary from patient to patient, and are dependent upon the stage and the severity of the Lyme disease. Symptoms include:
It is crucial that your medical records document not only your symptoms but how those symptoms impact your ability to function around your home and at work.
How Do I Get The Disability Insurance Benefits I Deserve?
Regardless of your diagnosis, Lyme disease can interfere with your daily activities and with your ability to work. If you no longer can work or your doctor has told you to apply for disability benefits, you should take steps before you apply:
Some policies consider Lyme disease without objective findings to be a subjective condition and limit benefits to just two years. You’ll want to know what’s in your policy before you apply for benefits.
In denying claims, carriers often say there is “no objective evidence to support your subjective complaints.’’ Carriers often make a leap of logic and conclude that the policyholder either is exaggerating or faking their pain. Nancy Cavey knows what proof is necessary to meet the policy definition of disability.
11 Hire Nancy Cavey to help you file your initial application. The application process is confusing and designed so you and your physician make mistakes that can result in a delay or even a denial of your benefits. Ms. Cavey knows how to prepare and file a winning shock and awe disability application that leaves the carrier little reason to question your claim.
Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live
Lyme disease 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.