Hi All,
I’m looking for advice from those in a similar situation. This is a tricky topic and every situation is different with its own set of challenges however, there maybe some aspects that members have learnt by experience.
Simply put, I am entitled to what is called income protection insurance. You take it out in conjunction with something like a mortgage in case you become ill, cannot work and so you don't default.
I have a clear medical history of becoming profoundly ill and disabled. In conjunction with CFS, I had aggressive weight loss, heart infection, developed a functional gait (muscular problem) and other issues.
I submitted for income protection insurance which was held up due to reevaluating the diagnosis due to atypical features. Nothing has been identified to change the diagnosis and now the claim is progressing.
However, I am now having issues with proving that I am not functionally capable of work. Over the last year, I have regained weight, the infections are under control and generally “look normal”.
My GP is not an expert in this disease and while she takes my word, it is difficult for me to provide a strong medical case that I am still functionally disabled.
I imagine “proving” what one is capable of is a common issue with CFS.
The question is, for those that have been through an insurance claim due to this illness, what is the best way to collect evidence to support my situation. How do I prove what I can and cannot do to a third party? Outside of my GP, what type of specialist could I speak to help my claim?
Any thoughts are kindly welcome.
Gary
I’m looking for advice from those in a similar situation. This is a tricky topic and every situation is different with its own set of challenges however, there maybe some aspects that members have learnt by experience.
Simply put, I am entitled to what is called income protection insurance. You take it out in conjunction with something like a mortgage in case you become ill, cannot work and so you don't default.
I have a clear medical history of becoming profoundly ill and disabled. In conjunction with CFS, I had aggressive weight loss, heart infection, developed a functional gait (muscular problem) and other issues.
I submitted for income protection insurance which was held up due to reevaluating the diagnosis due to atypical features. Nothing has been identified to change the diagnosis and now the claim is progressing.
However, I am now having issues with proving that I am not functionally capable of work. Over the last year, I have regained weight, the infections are under control and generally “look normal”.
My GP is not an expert in this disease and while she takes my word, it is difficult for me to provide a strong medical case that I am still functionally disabled.
I imagine “proving” what one is capable of is a common issue with CFS.
The question is, for those that have been through an insurance claim due to this illness, what is the best way to collect evidence to support my situation. How do I prove what I can and cannot do to a third party? Outside of my GP, what type of specialist could I speak to help my claim?
Any thoughts are kindly welcome.
Gary