Hi,

I very seldom write to this list, but have had the same experience.  I have
chronic fatigue that never went away after high dose chemo (AIM).  I had LTD
insurance through the company I worked for.  I never could go back to work
full time.

Eventually they denied my claim.  They sent me for psychological tests,
pulmonary tests, etc.  I failed all the tests, but they still denied the
claim based on the fact that there was no physical proof of the chronic
fatigue.

I got a lawyer.  He tried to fight the case, but without a doctor to sign an
affidavit that there was physical proof of the chronic fatigue, the lawyer
could not win the case.

It's a catch 22.  Chronic fatigue cannot be proved medically to date, and
insurance will not pay LTD claims without the medical proof.

It's all extremely frustrating.  I cannot work a full time job, and cannot
get the LTD insurance payments I'm entitled to.

Linda Joy
1/97 - Hysterectomy
7/98 - Leiomyosarcoma Retroperitoneal
10/00 - Leiomyosarcoma Recurrence
12/00 - 5/01 - AIM, Adria 90 mg/m2
4/01  - Fatigue started, and has become chronic
Last scan 12/04 - clear



-----Original Message-----
From: Chronic Fatigue Syndrome discussion CFIDS/ME
[mailto:CFS-L@LISTSERV.ICORS.ORG]On Behalf Of Vickijo0403@AOL.COM
Sent: Thursday, July 20, 2006 11:49 AM
To: CFS-L@LISTSERV.ICORS.ORG
Subject: Re: My legal experience w/ CFIDS ..so far..


wow,  thanks for your 2 Cents,   you are right  on!
As I understand it from the attorney, my fight would be with L  & I
again..
and I agree with you, they just wait to wear us down and since  we are
sick...the thought of a fight is just exhausting to even think
about...what a
cycle to be in...ugh!
blessings, Vicki Jo

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