Qualifying for Long-Term Disability When Diagnosed With Fibromyalgia
Long-term disability benefits provide financial help to those who are unable to work. However, some long-term disability plans only provide benefits if you are unable to engage in your “own occupation.” This is usually defined as the occupation you are performing for your employee, as performed in the local economy, or as performed in the national economy.
When it comes to receiving long-term disability benefits, your restrictions and limitations in performing work in your own occupation are factored in. Many times people who have been diagnosed with fibromyalgia will be challenged because this condition can vary in the way it affects each individual.
It may be helpful to consider other conditions that contribute to your disability. For instance, if you suffer from fatigue (which is commonly associated with fibromyalgia) a written affidavit from you and your former co-workers and employer can be very helpful.
Your long-term disability claim could then be reviewed on the basis of suffering from chronic fatigue syndrome. The insurer will determine if this condition contributes to your inability to perform the duties of your own occupation. Of course, many times, the disability insurer will still try to fight your claim by using their own physician who may determine that you are able to perform your job duties.
Some doctors who are not familiar with fibromyalgia may not understand the proper way to fill out a long-term disability form for this condition. A long-term disability representative can assist your doctor with this and work with you if you have been denied long-term disability benefits.
Disability Help Group represent more than 5000 disability claimants. Our disability representatives have experience with cross examining medical and vocational experts and take time when speaking with you about your case. Call us today at 1-(800)-800-3332 for a FREE consultation.