Chronic fatigue syndrome, also known as CFS, is a long-term condition that most prominently causes extreme tiredness, as well as muscle and joint pain, headaches, sleep problems, and memory problems. No matter what your chronic fatigue syndrome is caused by, you should consider making a total and permanent disability claim to support you throughout your life with the illness.
Diagnosing Chronic Fatigue Syndrome
It can be difficult for a medical professional to diagnose CFS, as it’s quite an unpredictable illness, and symptoms may not always be as prominent on some days than they are on others. Experiencing chronic fatigue as a symptom of other illnesses, like a sleep disorder or a mental illness, is also not the same as suffering from chronic fatigue syndrome.
Making a TPD Insurance Claim For Chronic Fatigue Syndrome
When making a TPD claim for CFS, you will need to provide medical evidence that supports your claim. People with CFS will struggle to live life as they had before their condition developed and their symptoms became more prominent. This includes struggling to get about at home – and struggling to leave the house and work their usual hours, or at all.
How TPD Insurance Claims Work
A total and permanent disability claim is part of a critical illness plan that covers a number of medical conditions that can leave you permanently unable to work. You may be able to make a TPD insurance claim for chronic fatigue syndrome if you can provide adequate proof of your condition to your insurer.
If your TPD insurance claim is approved, the insurance provider will pay a lump sum into your superannuation fund. You can choose to either withdraw the entire balance of your super fund or make a partial withdrawal and leave the balance in superannuation.
The Challenges Of Making A Claim
Making claims for CFS is not as easy and straightforward as, say, making a claim for a heart attack or a physical injury. You may face challenges with supporting your case with evidence, as CFS isn’t often characterised by an obvious symptom, unlike an injury or a medical condition that has a greater sudden impact.
The fact that CFS is also possible to recover from makes it even more challenging to be successful in claims for the illness, as your doctor most likely won’t know whether you can get back to work in the future. This means that you might end up with medical documentation that doesn’t help your case in the long run.
Despite the difficulties you might perhaps face, it’s worth persevering with a TPD claim if you need support at home, and believe that you will need continued support going into the future. At Life Matters Claims, we can help you through the TPD claims process for chronic fatigue syndrome to help you focus on treating your illness and recovering as best as you can. Contact us to get your free consultation today.