If you are thinking about filing a long-term disability claim for a fixed or chronic pain issue, you can expect an uphill battle in many cases. As with most things in life, an ounce of prevention goes a long way. There are several things you can do to prepare for your chronic pain claim, but the most important thing any long-term disability patient can do is speak with their primary physician often and clearly indicate your intent to file a claim.
The first steps to be taken before filing any sort of insurance claim should involve reviewing the original policy and contacting representatives. Unlike most other insurance types, health insurance can be more difficult to prove than auto accident or property theft. This is why any patient who is considering filing a long-term disability claim should consult with their respective primary physicians about their intent. Proper documentation is key to winning any disability insurance claim.
For conditions such as fibromyalgia and other health issues that restrict physical work due to unseen conditions, it is important to record detailed accounts of work tasks and how the illness restricts these. Such tasks might include standing for long periods of time, heavy lifting, or other actions that might trigger your condition.
The important thing is truth and honesty. Any lies or omission of important facts could result in denial or an even longer approval wait time.