A Quick Guide to Fibromyalgia and Disability Insurance

What Is Fibromyalgia?

Despite being one of the most common conditions to affect a person’s muscles and bones, fibromyalgia is still often misdiagnosed, and many doctors even feel it is a mental illness and not a physical one. The condition, which includes joint and muscle pain, fatigue, brain fog, and dozens of other symptoms, has no known cause and no cure.

Although much research still needs to be done, studies have shown that some factors do make it more likely that someone will develop fibromyalgia, including being a woman, having another autoimmune disorder or a severe infection, suffering from anxiety, depression, or Post-Traumatic Stress Disorder, or having family members with the disorder. Diagnosis typically involves a full medical history, ruling out other illnesses, such as lupus or hypothyroidism, and a two-part system that measures your pain and how the symptoms affect your everyday life.

For those who are diagnosed, treatment depends on the doctor and the symptoms. Many doctors prescribe a combination of pain medications, antidepressants, and sleep medications. In addition to medications to ease symptoms, experts recommend moderate exercise on a regular basis, a FODMAP diet,[1] and therapies such as music therapy, massage, acupuncture[2] and mental health counseling.

What Is Disability Insurance?

Are you looking for a way to ensure you can care for yourself and your family even if you become too sick or injured to work in the future? An increasing number of people are turning to purchasing private disability policies to ensure they can do just that, especially if they suspect they have fibromyalgia.

Disability insurance is a benefit that pays some or all of a person’s salary while he or she is recovering from an injury or illness. Coverage includes a wide variety of disabilities. There are two types of coverage: short-term and long-term. Short-term coverage lasts for up to six months, and long-term coverage may last for the rest of someone’s life. Some agencies also provide other policy options, including adjustments for cost of living. The cost of the policy depends on the job industry, the health of the worker, his or her lifestyle outside of work, policy options, and the amount of benefits expected.

Can You Get Disability Benefits for Fibromyalgia?

While you can get disability coverage through your employer, most employer-sponsored plans are highly governed and do not cover nearly as many illnesses or injuries as a private plan would. Should you decide to purchase insurance on your own, begin by finding a reputable agency, making sure to research thoroughly to ensure it covers a wide variety of illnesses and injuries.

Buying your own policy gives you a variety of benefits. You will be able to customize it to your needs, including adding some of the abovementioned extra features, and you will keep the coverage even if you change employers. You control the policy, and you’ll collect the benefits without taxes if you need to file a claim.

It is important to note that while purchasing a policy through a private agent is an option, the policy is not likely to cover all injuries or illnesses. Some people are denied their claims because of this or because the agency disagrees with a doctor’s medical findings regarding disability. In this case, you may need to hire a disability attorney to help you through the appeals process so that you can receive the compensation you need to take care of your home and family.

Regardless of why you decide to obtain a disability policy, ensure you research the company thoroughly first. Seek out an agency with experienced, qualified, and licensed professionals who have excellent feedback from current and former clients alike. Doing due diligence now could save you a headache in the future.

Fibromyalgia Lifestyle

Image Source – paindoctor

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