Share Perspectives : Issue 48, October 2014 - page 3

ASK A LAWYER:
Q:
Given that Lyme disease is difficult to diagnose
and treat, how do insurance companies assess
these types of disability claims?
A:
Initially, with great skepticism. Like other
“invisible “ disabilities, with credible evidence
about the impact symptoms have the ability to
perform gainful employment, presented through
experienced disability lawyers, good case outcomes
are possible.
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ISSUE 48, OCTOBER 2014
Lyme Disease &
Chronic Pain
DID YOU KNOW?
5 Facts About Lyme Disease
Lyme disease is an infectious disease that is present across
the globe and growing at epidemic proportions in North
America.
The spirochete bacteria that causes Lyme is transmitted
through the bite of an infected deer tick.
Symptoms of Lyme disease may include:
A bull’s eye rash at the site of the bite (30% of cases)
Flu-like symptoms about a week after infection
Fatigue
Neck stiffness or pain
Jaw discomfort
Muscle pain
Joint aches
Swollen glands
Memory loss
Cognitive dysfunction
Vision problems
Digestive issues
Headaches and fainting
However, many people are asymptomatic or will develop
symptoms months, years or decades later.
The symptoms of Lyme disease can resemble other health
problems and may cause a misdiagnosis of Fibromyalgia,
Arthritis, Chronic Fatigue Syndrome, Bells Palsy, ADD, MS or
Lupus.
The medical community is divided over diagnosis and
treatment guidelines. Health insurance doesn’t often cover
treatment for Chronic Lyme disease.
For more information,
click here
Q:
I suffer from chronic pain that stops me from
working. My specialist suspects Lyme disease, but
we don’t have a firm diagnosis yet. Should I wait for
my diagnosis before I apply for long-term disability
benefits?
A:
If you have symptoms that prevent you from
working, and you have doctors that support your
disability, you should not wait for a diagnosis.
Submit your claim as soon as possible.
SP
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