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ME/CFS ERISA and Individual Disability Income Long Term Disability Insurance Claims

Discussion in 'Work, Finances and Disability Insurance' started by Tom Kindlon, Sep 19, 2023.

  1. Tom Kindlon

    Tom Kindlon Senior Member (Voting Rights)

    Messages:
    2,203
    ME/CFS ERISA and Individual Disability Income Long Term Disability Insurance Claims By: Barbara B. Comerford, Esq.*

    The start and end of this focuses on the US system. But the centre bit "Basic considerations for the ME/CFS claimant when filing a long term disability insurance claim" is useful for people in lots of countries

    Headings:

    1) Find a ME/CFS medical specialist to provide treatment and not just serve as a consultant.

    2) Keep a Journal of Daily Complaints and Functional Limitations

    3) An ME/CFS claimant should not participate in standard functional capacity evaluations scheduled by the LTD insurer

    4) Whenever possible, objectively document the symptoms and functional limitations.

    5) Statements from family members and friends familiar with the ME/CFS claimant’s complaints and limitations help

    6) Provide a “before and after” record of function

    https://www.omf.ngo/wp-content/uploads/2019/03/Disability-Insurance-ME-CFS-paper-for-OMF-FINAL.pdf
     
    Tom Kindlon, Sep 19, 2023
    #1
    ahimsa, Starlight, Peter Trewhitt and 4 others like this.
  2. Sean

    Sean Moderator Staff Member

    Messages:
    7,216
    Location:
    Australia
    6) Provide a “before and after” record of function

    I think this in particular helped me with my insurance claim many years back. I was able to show a clear and sharp decline in general function after a specific date (onset). Things like the number of sick days suddenly spiking, etc.
     
    Sean, Sep 20, 2023
    #2
    Tom Kindlon, SNT Gatchaman, Trish and 1 other person like this.

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