Early Lyme disease symptoms may resemble the symptoms of a flu-like illness, including fever, chills, muscle ache, and nausea. A bulls-eye shaped rash is also a common symptom of early Lyme disease. If early Lyme disease is not treated or does not respond to treatment, chronic or late-stage Lyme disease can develop.
Unfortunately, symptoms of Lyme disease are similar to symptoms of many other diseases, which can result in a misdiagnosis. Chronic Lyme disease can result in the following symptoms:
- joint pain
- poor sleep
- mood problems
- cognitive impairment
This checklist provides more information on the symptoms of Lyme disease.
Applying for Long Term Disability Benefits
When the symptoms of Lyme disease become too severe, you will have to leave work and apply for long-term disability benefits. Unfortunately, insurance companies sometimes deny benefits to those with chronic Lyme disease.
One common reason for a denial of your long-term disability claim is that your symptoms are subjective. Many of the symptoms of Lyme disease, including fatigue, pain, and headaches, are only verifiable by the person experiencing the symptoms.
Another way insurance companies deny your claim is by limiting benefits related to mental health issues. If a mental impairment contributes to your inability to work, your coverage may be limited. Lyme disease often results in mental health issues, such as depression.
If your long term disability benefits have been denied or limited, you have the right to appeal. First, you will have to appeal internally to the insurance company. You will have to convince the same insurance company that denied your claim to change its denial decision. The appeal is a critical point in your case. Mistakes can irreversibly damage your claim. It is important that you meet the appeal deadline. Many times, this appeal will be your last time to add evidence to the record. If you have to sue the insurance company in court, the court may be limited to reviewing the administrative record, which closed with the final appeal denial from the insurance company. Therefore, with the appeal, you need to send the insurance company all medical and vocational evidence that you would need in court. Each insurance policy has specific language that can affect how you should present your case and what evidence will be required to prove your claim. An experienced ERISA lawyer can help.
At Chisholm Chisholm & Kilpatrick, we handle disability insurance appeals across the country. By studying your particular case and using our extensive knowledge of ERISA, we make sure you are in the strongest position possible to appeal your benefits claim denial.
Contact the experienced ERISA lawyers at Chisholm Chisholm & Kilpatrick so that we can determine if we can help you with your appeal. Visit our website to learn more about disability claim denials and to download our free ERISA law guide.