Close to 90% of disabling accidents and illnesses are not work-related, according to the National Safety Council Injury Facts 2008. One of the most disabling conditions is Fibromyalgia. If you have a long term disability insurance policy, Nancy Cavey, a Florida-based long term disability attorney, suggests that you get out your long term disability policy and see whether or not Fibromyalgia is one of the covered conditions under the terms of your policy.
If you are a Fibromyalgia sufferer, Nancy Cavey suggests that you have a short and long term disability insurance on it before you stop working so that you don’t mny mistakes regarding the onset date with the filing of your disability claim. Fibromyalgia is one of those conditions that long term disability insurance companies just don’t like because it is based on self-reported symptoms.
If you suffer from Fibromyalgia and are thinking about filing a disability claim, contact Nancy Cavey for a free disability insurance policy audit. You need to know whether or not your Fibromyalgia is covered under your disability policy before you stop working!
Fibromyalgia Syndrome and Long Term Disability Denials:
Fibromyalgia is a syndrome because it describes a set of symptoms that occur without any disease-specific abnormalities in your body. A Fibromyalgia sufferer has complaints of widespread pain, decreased pain threshold, difficulty sleeping, fatigue, stiffness, mood disturbance, irritable bowel syndrome, headache, and paresthesias.
1) Work and Fibromyalgia Syndrome, a Consensus Report:
There aren’t any definitive laboratory or diagnostic tests that will confirm Fibromyalgia. However, in 1990 the American College of Rheumatology (ACR) established a criteria for the classification of Fibromyalgia Syndrome. The criteria can include:
1.) A 3-month history of widespread pain involving both sides of the body above and below the waist and in the skeletal axis.
2.) Pain with palpitation of at least 11 of 18 designated bilateral tender points.
Long term disability insurance companies hate Fibromyalgia Syndrome claims. In fact, many long term disability insurance policies will have exclusions for Fibromyalgia or limit the amount of benefits that you can receive. Why is that? Because the diagnosis of Fibromyalgia is largely based on self-reported symptoms, many long term disability carriers just don’t think Fibromyalgia is a real disease.
If you can convince the long term disability carrier that your Fibromyalgia is real, more often than not they will deny your long term disability benefits on the basis that you are able to perform a sedentary or light job. Under the trumps of most disability insurance policies you’re not entitled to disability benefits if you are able to work in a light or sedentary capacity.
If you are a Fibromyalgia sufferer thinking about filing a long term disability claim, contact Fibromyalgia disability attorney Nancy Cavey who can assist you in determining whether or not your long term disability policy covers Fibromyalgia, the coverage, and the defenses that will most likely be raised by your long term disability carrier to deny your claim for disability benefits based on Fibromyalgia Syndrome.
Nancy Cavey is a Tampa Bay-based disability attorney, and can help you with your Fibromyalgia claim.