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Why was your long-term disability claim for Lyme disease denied?

On Behalf of | Apr 11, 2022 | Long Term Disability Claim Denial

If you have Lyme disease, you know how difficult the symptoms can be. Although you might look normal and healthy to the people around you, you are probably dealing with serious, debilitating symptoms.

When Lyme disease symptoms continue to get worse, many victims of the illnesses find that they are unable to work. There is nothing more important at this time than the long-term disability insurance benefits from your employer. This insurance is there for exactly this situation, but in so many cases, the insurance company denies valid Lyme disease claims.

The medical report is critical to getting your disability benefits

With Lyme disease, it is critical to get a doctor’s assessment that shows you are unable to work. In many cases, the symptoms come on slowly, and doctors often misdiagnose it as a milder condition. When the symptoms persist and worsen, you need to make sure the doctor accurately documents your symptoms, making it clear that you are unable to perform your work functions and why.

Without this authoritative clarity, the insurance company may assume you have the same mild symptoms you’ve always had – unfortunate, perhaps, but not debilitating.

The symptoms

A clear medical diagnosis will provide some of the most deblitating symptoms, including:

  • Severe fatigue
  • Joint pain in the knees and other areas
  • General aches and pains all over
  • Fever
  • Lack of sleep

These are just a few of the symptoms of Lyme disease that can render you unable to work.

The insurance company

Because of their strategic marketing campaigns, insurance companies have given companies the impression that they truly care about their policyholders. The sad truth is that insurance is a for-profit enterprise. They want to collect your premiums, and they want to minimize costs. Of course, a great expense an insurance company can carry is paying  a valid long-term disability insurance claim.

The insurance company wants to limit these expenses, so they work hard to find any reason to deny your claim. It is important to work with a skilled legal team that can help you through the process and make sure you get the benefits you need.