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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Diagnosis - Babesiosis

Can I Get Long Term Disability for Babesiosis?

Diagnosis - Lyme Disease Diagnosis - Babesiosis

Babesiosis is a tick-borne illness caused by a parasite called Babesia that infects red blood cells, leading to anemia and other serious health complications.  Most cases of Babesiosis in the United States occur in the Northeast and Midwest, including New Jersey, New York, Connecticut, Massachusetts, Minnesota, and Wisconsin. 

Although some people infected with Babesia may be asymptomatic, others may experience a range of symptoms, including fever, fatigue, chills, sweating, and headaches.  In severe cases, Babesiosis can cause organ damage and even be fatal.  Babesiosis may also occur as co-infection with Lyme disease, leading to more severe and lasting symptoms.

If you are experiencing long-term symptoms due to Babesiosis, you may be eligible to seek long term disability benefits.  Below we’ll discuss common questions about filing a Babesiosis long term disability claim and how an attorney can help.

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Lyme Disease and Long Term Disability: What Evidence Matters

Diagnosis - Lyme Disease Diagnosis - Babesiosis

Can Lyme Disease Be Disabling?

lyme disease symptomsYes, for many people, Lyme disease results in short and/or long term disability.  Lyme disease is a tick-borne illness that ranges widely in presentation and severity.  The infection can cause a diverse number of physical and cognitive (i.e., mental) symptoms, which can vary from mild to debilitating.

Lyme Disease can also occur as a co-infection with Babesiosis.  If you suffer from this co-infection, you may experience more severe, chronic symptoms and a longer recovery period.

Whether your Lyme disease is disabling will depend on the nature, frequency, and severity of your symptoms – as well as how they interfere with your ability to work.  In order to get approved for disability benefits, you must be prepared to prove to your long term disability insurance company that your Lyme disease symptoms are disabling.

Below we will address several points you should consider before filing your long term disability claim for Lyme disease.

 

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Your Insurer May Try to Characterize Your Physical Disability as a Mental Illness

Mental Illness Limitation Diagnosis - Tinnitus Diagnosis - Lyme Disease Diagnosis - Fibromyalgia Diagnosis - Fatigue Strategy - Limitations and Restrictions Diagnosis - Chronic Pain Diagnosis - Headaches Diagnosis - Cognitive Impairment Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Babesiosis

People who suffer from a disability causing both physical and mental symptoms can face certain challenges in filing their long term disability claims.  Insurers often try to categorize these claims as strictly "mental" in an  effort to limit liability.  This is because most long term disability policies limit benefits to 12 or 24 months when the disability is caused by a mental illness. Under these provisions, benefits will stop after one or two years even if you remain totally disabled.
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