Fibromyalgia is defined by the medical experts at Mayo Clinic as a "disorder characterized by widespread musculoskeletal pain accompanied by fatigue, sleep, memory and mood issues." The disorder is believed to be an amplification of the sensation of pain. A publication in The American Journal of Medicine notes that the disorder results in a "heightened state of pain transmission."
It’s no secret that long term disability insurance companies do things in frustrating ways when it comes to reviewing and paying out claims. You would think that jerking around your customer base would be a recipe for disaster. It’s quite the opposite with insurers. Sadly, denying legitimate claims is standard operating procedure for many companies that put profits over their own customer well-being.
Long term disability (LTD) insurers may advertise that they’re always there for injured workers, but I know that’s just commercialized double-talk. Their true goal is to be profitable for shareholders; and they won’t think twice about screwing over vulnerable claimants (like you) to maximize their profit margins.
I’ll admit it, I like silly reality shows like “First Time Flippers,” “Bathroom Crashers” and “Worst Cooks in America.” I guess we all take some delight in seeing people fail hilariously before finally getting it right.