Typically long-term disability coverage of depression and other things termed mental health has a two year maximum of benefits. Most LTD coverage requires that one file for SSDI and typically the LTD company pays for the attorney.
True, but I'd like to add that some ERISA LTD policies do not cover ANY mental illness at all. My own company's LTD policy had zero coverage for mental illness.
I did not have depression and I did not claim depression. I won my ERISA LTD claim based on some combination of medical evidence (e.g., tilt table test), several letters from various doctors, affidavits from my former co-workers and former boss, and a really good lawyer. And probably some luck.
Yes, ERISA LTD claims are very hard to win. Yes they may cancel it later and then you have to decide whether to continue fighting to keep your benefits. But that does not mean a person should just give up and claim a diagnosis of depression thinking that they'll never win an ERISA claim and the depression will help their SSDI beneifts claim.
Has anyone here actually been awarded SSDI with CFS listed as the disabling condition?
Short answer is yes, I think so.
When I filed for SSDI benefits I listed two diagnoses, CFS (I think I may have used the term CFIDS - it was 2000 - but SSA probably converted it to CFS) and Neurally Mediated Hypotension, a form of Orthostatic Intolerance.
I did NOT list depression since I have neither primary nor secondary depression. I realize that I'm lucky since so many seem to get either depression or anxiety and I don't have either.
My SSDI was granted on my very first try. It was either 8-9 months between the time I filed the paperwork and the money was deposited into my account. I did have to visit one of their doctors, and that doctor's report was not very favorable. But I was not denied, did not have to go before a judge, etc.
I guess had a lot of medical evidence (used the same evidence for SSDI that my lawyer helped me put together for the ERISA LTD claim) and that seemed to have worked. Also my husband filled out a bunch of forms to assess my ability to do ADLs (Activities of Daily Life).
One other thought is that I first got sick in 1990, kept working for 10 more years but took a lot of medical leaves during that time, and then finally filed for disability in 2000. Maybe the social security folks looked at that and thought it counted as failed attempts to work? Who knows? I know my age was not in my favor. I was only 39 when I filed for SSDI.
I think folks who live alone (no spouse, parents, siblings, etc.) have it much harder since there's no one to confirm that, yes, you really can't do <fill in the blank>. Having a witness helps.