Activate Now
 
ProHealth health Vitamin and Natural Supplement Store and Health
Home  |  Log In  |  My Account  |  View Cart  View Your ProHealth Vitamin and Supplement Shopping Cart
800-366-6056  |  Contact Us  |  Help
Facebook Google Plus
Fibromyalgia  Chronic Fatigue Syndrome & M.E.  Lyme Disease  Natural Wellness  Supplement News  Forums  Our Story
Store     Brands   |   A-Z Index   |   Best Sellers   |   New Products   |   Deals & Specials   |   Under $10   |   SmartSavings Club

Trending News

Patient Insights into the Design of Technology to Support a Strengths-Based Approach to Health Care.

Greater intake of dietary omega-3 fatty acids associated with lower risk of diabetic retinopathy

SURVEY: Weight Management & Chronic Illness

Japanese green tea consumers have reduced risk of dementia

Researchers find herpes strain in the nervous system

Do Nothing, Accomplish Everything! The Connection Between Breathing and Healing

Nature Heals

Best Herbs to Help With Insomnia

Meet the ProHealth Editors

Choline: Why You Should Eat Your Egg Yolks and Take Krill

 
Print Page
Email Article

Some Disability Insurance Companies May Discriminate Against Chronic Fatigue Syndrome (CFIDS)

  [ 170 votes ]   [ Discuss This Article ]
By by Mark Oring, Professor of Law, UWLA • www.ProHealth.com • October 1, 1996


It has become increasingly clear over the past few years that disability insurance carriers are doing everything within their ability to reduce their exposure to claims from individuals with such illness as Chronic Fatigue Syndrome (CFS) and Fibromyalgia (FM). In fact, in the Wall Street Journal dated July 25, 19096, they reported that UNUM Insurance Company was seeking approval from various States to place a two-year cap on illnesses that they could not diagnose with objective findings through medical tests. Because there are no standard medical tests for CFS and FM, if an insured's State approves UNUM's request, the policy will exclude these diseases from coverage after two years.

Most disability policies to date, however, do not have such a provision. Nevertheless, disability carriers are attempting to deny PWCs their rightful benefits. The insurance companies' first line of defense to contend that there is nothing wrong with the insured. They will specifically use this rationale if the PWC does not have any objective medical findings. Unfortunately, in most cases of CFS, there are no objective medical findings that the traditional medical community (allopathic) accepts as a definitive diagnosis. The fact that a number of PWCs have not found medical practitioners that are sufficiently familiar with their disease to properly document their findings, diagnosis, and objective symptoms, further exacerbates this problem. Remember, insurance companies will have a right to review all of the insured's medical files, and if the files are not well documented, a claim can easily be denied.

Even assuming the claim is initially accepted, a claimant should not be lulled into a false sense of security. Disability carriers have a number of methods of limiting coverage, even if they can't deny the claim at the outset. Most policies have a two year cap if the basis of a claim can be found to be psychological. Accordingly, a PWC may find a demand for an Independent Medical Exam (IME), commonly referred to by attorneys as a "Defense Medical Exam." In other words, an IME is generally performed by a practitioner who is nothing more than a hired medical gun for the insurance company. The IME will usually be set up with a Psychiatrist and/or Infectious Disease Specialist. The psychiatrist will ultimately find that there is a psychological basis for the disability. This is easily accomplished, because most disabled individuals are depressed. The psychiatrist, working for the insurance company will find the depression the cause of the disability. This will be further confirmed by the infectious disease practitioner, who will conclude that there are no objective medical findings.

If all else fails and the insurance carrier cannot deny a claimant's claim as described above, a claimant may find that he or she has been followed by private investigators. If they find that the insured is capable of spending any time out of his or her home, then the insured may no longer be found disabled and benefits will be cut off. The insurance companies will take this attitude despite the fact that the definition of "disability" under the terms of the policy has nothing to do with being in or out of the house.

The problem with diseases such as CFS or Fibromyalgia is that there is no assurance that the patient will ever be able to return to work. Consequently, disability payments might have to continue for the duration of the policy. This would result in a large loss to disability carriers over an extended period of time. Therefore, these companies will expend a great deal of resources and use any means available to deny or limit coverage. Because PWCs have so much at stake, it is important that PWCs know and protect their rights from the inception of their illness.

Editors Note: Good news! One of the nation's leading law firms has decided to participate in a class action/mass action suit representing CFIDS patients against Standard Insurance Company. They are also willing to evaluate individual, non-erisa long-term disability policies of California residents only. For information, please contact Angela at Healthwatch at 1-800-366-6056 for Standard Insurance Disability claims. To be involved in a UNUM class action/mass action law suit, contact the group organizers through Penny Lane, P.O. Box 1093, Bothell, WA 98041-1093.



Post a Comment

Featured Products From the ProHealth Store
Energy NADH™ 12.5mg Vitamin D3 Extreme™ Ultra ATP+, Double Strength

Looking for Vitamins, Herbs and Supplements?
Search the ProHealth Store for Hundreds of Natural Health Products


Article Comments



Be the first to comment on this article!

Post a Comment


 
Natural Pain Relief Supplements

Featured Products

Vitamin D3 Extreme™ Vitamin D3 Extreme™
50,000 IU Vitamin D3 - Prescription Strength
Energy NADH™ 12.5mg Energy NADH™ 12.5mg
Improve Energy & Cognitive Function
Ultra ATP+, Double Strength Ultra ATP+, Double Strength
Get energized with malic acid & magnesium
Mitochondria Ignite™ with NT Factor® Mitochondria Ignite™ with NT Factor®
Reduce Fatigue up to 45%
Ultra EPA  - Fish Oil Ultra EPA - Fish Oil
Ultra concentrated source of essential fish oils

Natural Remedies

The Revolutionary 'Good Fat' That Promotes Heart, Brain, Bone and Joint Health The Revolutionary 'Good Fat' That Promotes Heart, Brain, Bone and Joint Health
Improve Cardiovascular and Metabolic Health with Omega-7 Improve Cardiovascular and Metabolic Health with Omega-7
Coconut Oil - Healthy Gifts from the 'Tree of Life' Coconut Oil - Healthy Gifts from the 'Tree of Life'
Relief for Dry, Itchy Skin Caused by Fibromyalgia Relief for Dry, Itchy Skin Caused by Fibromyalgia
How to Jump-start and Sustain Energy Production in CFS How to Jump-start and Sustain Energy Production in CFS

CONTACT US
ProHealth, Inc.
555 Maple Ave
Carpinteria, CA 93013
(800) 366-6056  |  Email

· Become a Wholesaler
· Vendor Inquiries
· Affiliate Program
SHOP WITH CONFIDENCE
Credit Card Processing
SUBSCRIBE AND SAVE 15% NOW*
Be the first to know about new products, special discounts and the latest health news. *New subscribers only

CONNECT WITH US ProHealth on Facebook  ProHealth on Twitter  ProHealth on Pinterest  ProHealth on Google Plus

© 2016 ProHealth, Inc. All rights reserved. Pain Tracker App  |  Store  |  Customer Service  |  Guarantee  |  Privacy  |  Contact Us  |  Library  |  RSS  |  Site Map