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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Diagnosis - Fatigue

Proving Fatigue for Long Term Disability Claims

Video Diagnoses Diagnosis - Fatigue Diagnosis - Myalgic Encephalomyelitis

Fatigue is one of the most common鈥攁nd also one of the most difficult鈥攕ymptoms to prove in a long term disability (鈥淟TD鈥�) claim. Whether it鈥檚 caused by Chronic Fatigue Syndrome, fibromyalgia, Long COVID, autoimmune disease, or another chronic condition, fatigue often lacks clear test results or visible signs. Because of that, insurance companies frequently question its severity or deny these claims altogether.

Below we鈥檒l answer commons questions on building a strong LTD claim when fatigue is your primary disabling symptom.

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How To Prove Vestibular Dysfunction for Long Term Disability

Diagnoses Diagnosis - Migrane Headaches Diagnosis - Fatigue Diagnosis - Meniere's Disease Diagnosis - Traumatic Brain Injury (TBI) Diagnosis - Vestibular Diagnosis - POTS Syndrome Diagnosis - Vestibular Disorder

If you鈥檙e experiencing chronic dizziness, vertigo, or balance problems that make it hard to function at work, you may be wondering whether you qualify for long term disability benefits. Vestibular dysfunction is often misunderstood by disability insurers because its symptoms can be invisible, unpredictable, and difficult to document through standard testing. Yet for many professionals, these symptoms are anything but mild. They interfere with concentration, mobility, and the ability to perform even routine job tasks.

Below we鈥檒l explain how vestibular dysfunction may qualify for long term disability and what evidence is most effective in building a strong LTD claim.

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Is Chronic Fatigue Syndrome/Myalgic Encephalomyelitis A Disability?

Diagnosis - Fatigue Diagnosis - Myalgic Encephalomyelitis Strategy - CPET Testing Diagnosis - Long Covid Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Dyautonomia

Chronic Fatigue Syndrome (鈥淐FS鈥�), also known as Myalgic Encephalomyelitis (鈥淢E鈥�) or Systemic Exertion Intolerance Disease (鈥淪EID鈥�), is a debilitating, often misunderstood disease.  It is generally characterized by severe, overwhelming fatigue that does not improve with rest, and post-exertional malaise 鈥� or the inability to recover normally from even minimal physical or cognitive exertion. Individuals with CFS/ME also experience general weakness, cognitive problems, un-refreshing sleep, muscle or joint pain and flu-like symptoms. Unfortunately, there is no known treatment to cure this disease. 

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Your Insurer May Try to Characterize Your Physical Disability as a Mental Illness

Mental Illness Limitation Diagnosis - Tinnitus Diagnosis - Lyme Disease Diagnosis - Fibromyalgia Diagnosis - Fatigue Strategy - Limitations and Restrictions Diagnosis - Chronic Pain Diagnosis - Headaches Diagnosis - Cognitive Impairment Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Babesiosis

People who suffer from a disability causing both physical and mental symptoms can face certain challenges in filing their long term disability claims.  Insurers often try to categorize these claims as strictly "mental" in an  effort to limit liability.  This is because most long term disability policies limit benefits to 12 or 24 months when the disability is caused by a mental illness. Under these provisions, benefits will stop after one or two years even if you remain totally disabled.
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