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Provisions to be wary of in disability insurance contracts

Many professionals believe that they have a duty to work through chronic pain and debilitating illnesses both because of a sense of obligation toward their clients and patients, as well a belief that one's profession is intimately tied to notions of identity. Either way, when they can't do all their professional duties consistently in the usual way because of an illness or injury, they have a valid expectation that their disability insurance carrier will provide promised income protection benefits.

Unfortunately, this is not always the case; especially when it comes to claims based on conditions which are difficult to demonstrate with objective test results like fibromyalgia and chronic fatigue syndrome (CFS). These once medically contraversial conditions are now well accepted by the medical establishment. Technological and medical advances have legitimized what those who have endured knew all along; that they were hampered by a genuine ailment. 

Nevertheless, some disability insurance companies will attempt to limit their exposure for payment stemming from these ailments by including a two-year limited benefit provision, usually under the guise of "self reported" or "subjective" symptoms and conditions. The goal is essentially to avoid paying for conditions that cannot always be verified by traditional objective testing such as an MRI or X-ray.

However, the pain and impairment of those afflicted with these conditions is real, and there are ways to defeat these provisions with the right medical documentation to detail the conditions in a light necessary to satisfy the policy terms. That's where the help of an experienced disability benefits attorney comes in.

For more information, we invite you to contact us

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