Article Index

Long-term disability insurance: the different types of policies

Patients with CFS, FM, Lyme disease, and other illnesses termed as having "self-reported" symptoms (consisting primarily of pain, fatigue, and headaches) must know the type of long-term disability insurance contract under which they are insured—including its specific language. There are specific types of contracts, and each sets different eligibility standards and benefit allowances.

At the same time, different policies variously provide, limit, or exclude benefits to patients who, in addition to their physical illness also have some form of "mental impairment", including depression or anxiety.