Disability insurance policies are riddled with limitations. One of the common benefit limitations seen on policies is related to self-reported conditions.
A self-reported condition is defined as a disability that has been diagnosed based on symptoms like pain and fatigue that a patient has reported but a doctor cannot verify using tests. Disabling conditions that are often considered self-reported include fibromyalgia, chronic fatigue, tinnitus, lupus, headaches, arthritis and Lyme disease.
At DarrasLaw, America’s top disability firm, our attorneys will conduct a free analysis of your policy to determine whether so-called self-reported conditions may limit your benefits.
You May Only Be Able to Get Benefits for Two Years
Instead of simply not recognizing the existence of self-reported conditions, many insurance companies have decided to acknowledge that policyholders may be diagnosed with these disabilities but cut them off from benefits after two years has passed. Unfortunately, many of these conditions do not simply disappear after two years.
You want to make certain that you get all the benefits you need as soon as possible and for as long as possible. That is why it is important that you enlist experienced lawyers like ours, who have been handling these cases for more than 100 years.