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 - Chronic Fatigue Syndrome (CFS)

How to Prove a Dysautonomia Long Term Disability Claim

Diagnosis - Myalgic Encephalomyelitis Strategy - CPET Testing Diagnosis - POTS Syndrome Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Dysautnomia

Is dysautonomia disabling?

Yes, dysautomia can be disabling. If you are dealing with dysautonomia and struggling with dizziness, fatigue, or difficulty remaining upright, the issue is usually not just the diagnosis — it is whether your symptoms prevent you from working consistently on a full-time basis.

Dysautonomia claims are often challenging because symptoms can fluctuate, are not always visible, and may not be fully captured through standard testing. Insurers frequently argue that a claimant can perform sedentary work, without accounting for the difficulty of maintaining posture, concentration, or reliability throughout the day.

This page explains when dysautonomia can qualify for long term disability benefits, what evidence matters most, and why these claims are often denied.

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Long COVID and Long Term Disability: How to Prove Your Limitations

Diagnosis - Myalgic Encephalomyelitis Diagnosis - Long Covid Diagnosis - Chronic Fatigue Syndrome (CFS)

Even after the worst initial symptoms of COVID-19 have subsided, many COVID-19 patients experience lingering, often debilitating symptoms that could result in long term disability. The term “long haulers” has been used to describe those still coping with COVID-19 symptoms long after their first diagnosis. The number of COVID-19 long haulers could already be in the hundreds of thousands, as experts estimate as many as 10% of COVID-19 patients will classify as long haulers. Many may qualify for long term disability benefits.

Below we will examine the disabling symptoms commonly reported by long haulers, as well as how to determine whether you may be eligible for long term disability benefits if you are a COVID-19 long hauler.

 

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Is Chronic Fatigue Syndrome/Myalgic Encephalomyelitis A Disability?

Diagnosis - Fatigue Diagnosis - Myalgic Encephalomyelitis Strategy - CPET Testing Diagnosis - Long Covid Diagnosis - Chronic Fatigue Syndrome (CFS) Diagnosis - Dyautonomia

Chronic Fatigue Syndrome (“CFS”), also known as Myalgic Encephalomyelitis (“ME”) or Systemic Exertion Intolerance Disease (“SEID”), is a debilitating, often misunderstood disease.  It is generally characterized by severe, overwhelming fatigue that does not improve with rest, and post-exertional malaise – or the inability to recover normally from even minimal physical or cognitive exertion. Individuals with CFS/ME also experience general weakness, cognitive problems, un-refreshing sleep, muscle or joint pain and flu-like symptoms. Unfortunately, there is no known treatment to cure this 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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