When Doctors Won’t Prescribe Physical Restrictions: Navigating LTD Claims with Conditions Like Fibromyalgia and Autoimmune Disorders
When you suffer from fibromyalgia, an autoimmune disease, or another chronic condition, long-term disability (LTD) benefits can be a financial lifeline. But qualifying for LTD benefits under an ERISA-governed plan often requires more than just a diagnosis—it requires proof that your condition limits your functional capacity. Unfortunately, that’s where many legitimate claims begin to unravel. […]