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Cardiopulmonary exercise testing (known as “CPET”) can be useful for substantiating long term disability insurance claims.  The CPET is particularly recommended for conditions that cause fatigue as a major symptom.

Fatigue is commonly self-reported by claimants rather than objectively tested by their doctors.  Consequently, your insurance company may consider your reported fatigue as “subjective”.  Disability claims with subjective symptoms are more highly scrutinized and at higher risk of denial.

The CPET can provide evidence of your exertional limitations.  These objective results can help prove your disability to your insurance company.

Read below to learn more about the CPET and how it may help your disability claim.

Figuring out whether you have a viable long term disability or ERISA claim isn't easy.  How do you know whether your symptoms are disabling enough?  Is it possible to predict how your claim will be evaluated? 

Everyone experiences anxiety from time to time – but those who suffer from anxiety disorders know firsthand how paralyzing it can be to function day-to-day. If you’ve been diagnosed with an anxiety disorder, your symptoms may significantly interfere with your ability to perform your job duties.

You may consider filing a long term disability insurance claim due to your anxiety.

Here’s what you need to know before filing your long term disability claim for an anxiety disorder.

Depression isn’t just a sad mood – it’s a severe clinical condition that can lead to serious problems in functioning for those who suffer from it. The symptoms of major clinical depression can make it difficult to carry out your day-to-day activities, including working.

Multіple chemical sensitivity (also known as MCS, Chemical Injury, Chemical Sensitivity, Environmental Illness, and Multiple Allergy) is a severe intolerance to even low levels of chemicals. People who have MCS experience strong symptoms when exposed to everyday chemicals such as perfumes, gasoline, smoke, and household cleaning products.

The symptoms of MCS can be extremely serious and lead to long term disability.  Below, we'll discuss how MCS prevents people from working and strategies for filing an MCS disability claim.