You don’t have to have suffered a work-related injury or been involved in an accident to be eligible for a TPD claim. If you are unable to work because of Fibromyalgia, you may be able to make a TPD claim.
What is Fibromyalgia?
Fibromyalgia is a common condition that affects two to five percent of the population, predominantly young to middle-aged women. Fibromyalgia is categorized by widespread pain and tenderness in the muscles and bones. Other symptoms include:
- Irritable bowel (diarrhoea, stomach pain)
- Extreme fatigue
- Problems with sleep
- Problems with urinating
- Memory problems
- Painful menstrual cramp
- Anxiety or depression
- Morning stiffness
- Numbness, and tingling in hands, arms, feet, and legs
- Headaches
While Fibromyalgia is an incurable condition, symptoms can be managed with various medications, physiotherapy, exercises, relaxation, and meditation techniques.
Fibromyalgia is described as an incredibly painful experience, and it’s taken some time for sufferers to get the help and support they need.
Fortunately, the overwhelming increase of Fibromyalgia diagnoses has led to an increased awareness amongst insurers about the impact Fibromyalgia has on an individual’s ability to work, but often times it can be difficult to get cover for such claims.
This is one of the reasons why it’s important to talk to a professional about the support that is available for those suffering from Fibromyalgia, and what may or may not make them eligible for total and permanent disability insurance.
Can I make a claim for Fibromyalgia?
Many people who suffer from Fibromyalgia have potential superannuation insurance entitlements that they are unaware of that could make a substantial difference to their lives.
Am I eligible to make a TPD claim?
There are several criteria an individual must meet before consideration for a TPD claim. These include:
- an inability to work within their previous skills due to illness or injury
- gainable employment has ceased because of this condition
- the individual is under 65 years of age when active employment ceased
- a valid TPD insurance policy covered the individual on the date they stopped work
What will my insurer take into account when I make a TPD claim for physical illness?
To succeed in your claim, you’re usually required to provide medical evidence supporting that you’re unable to return to the occupation you’re suited for by education or training. Unfortunately, when it comes to Fibromyalgia, it can be difficult to obtain clearance from medical specialists due to the condition’s recent emergence.
Before you submit a TPD claim for Fibromyalgia, be sure to check your superannuation guidelines.
How can Life Matters Claims support me in making my TPD claim?
Making a TPD claim on the grounds of being diagnosed with Fibromyalgia can be a drawn-out and lengthy process. That’s why we’re dedicated to helping you gather all necessary documentation, such as existing medical reports, to ensure your case is strong and ready to go.
At Life Matters Claims our role is simple, we help to remove the stress of managing your Total Permanent Disability claim. We are advocates that manage your claim from start to finish and have a 100% success rate for all our clients’ claims to date.
Get in touch today to learn more about how we can help you with your TPD claim.