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Epstein-Barr Virus

Do I Qualify For Disability Insurance Benefits If I Have Epstein-Barr Virus?

Disability insurance companies don’t always make it easy for policyholders who have Epstein-Barr virus to get the disability benefits they deserve.

Cerebral atrophy, also known as brain atrophy, is the loss of neurons in the brain and the connections between them. In other words, it is the wasting away or shrinkage of brain cells and tissue.

The Common Reason Disability Carriers Deny Epstein-Barr Virus Disability Claims

Many claims are denied because the disability insurance company says:

  1. There is no objective basis of the Epstein-Barr virus,
  2. There is no objective basis for the restrictions and limitations assigned by your physician,
  3. There is no causal relationship between your Epstein-Barr virus and/or your restrictions and limitations, and your inability to do your own or any occupation, or
  4. You are capable of doing sedentary work.

Nancy Cavey, who has 35 years experience handling disability cases, has successfully represented many policyholders with Epstein-Barr. She overcomes a claims denial by working closely with you and your physician.

Nancy Cavey offers a free initial consultation and welcomes the opportunity to speak with you about your disability claim.

What Is Epstein-Barr?

Epstein-Barr virus, a member of the herpes family, is one of the most common human viruses. In the United States, 95% of all adults have been exposed to the virus, which is known to cause mono.

What Are The Symptoms of Epstein-Barr?

The symptoms of an acute mono infection can include:

  • Fatigue
  • Fever
  • Sore throat
  • Swollen lymph modes
  • Enlarged spleen and/or liver
  • Jaundice
  • Swelling around the eyes
  • Skin rashes.

The infection causes a general feeling of illness; those with acute mono experience extreme fatigue and exhaustion.

Those who have serious complications of Epstein-Barr can have:

  • Seizures
  • Nerve damage
  • Behavioral abnormalities
  • Encephalitis
  • Meningitis
  • Anemia
  • Swollen lymph nodes.

Because of the nature of the diseases and symptoms, many with Epstein-Barr are treated by a neurologist. You should undergo neuropsychological testing to objectively document any cognitive problems.

How Do I Get The Disability Insurance Benefits I Deserve?

Epstein-Barr virus can make it difficult, if not impossible, to do things around your home and work. If you no longer can work or your doctor has told you to apply for disability, before you apply for benefits, you should:

  1. Obtain a copy of your disability policy. See how it defines “disability,” “occupation” and “self-reported conditions.” You’ll need to understand what you have to prove to get your benefits because of Epstein-Barr virus.

Your policy can include a self-reported limitation. It limits how long you can get benefits that result from self-reported symptoms, including memory problems, fatigue, planning, organizing and sequencing. You’ll want to know what’s in your policy before you apply for benefits.

  1. Obtain a copy of your medical records. Review them to see if there is an objective basis for your diagnosis, what your records say about your report of symptoms and your restrictions and limitations. It is crucial you have neuropsychological testing to document the reason for your symptoms and their severity.
  2. Obtain a copy of your personnel file to see whether your Epstein-Barr has affected your work performance.
  3. Obtain a copy of your job description. Create your own description of your physical duties with an explanation of how your symptoms impact your ability to do your occupation.
  4. Provide your doctor with the occupational description. Ask your doctor to prepare a report that explains the objective basis for your diagnosis, the objective basis of your restrictions and limitations, and the objective reasons you can’t perform some or all of the material and substantial duties of your occupation.
  5. Prepare a diary that explains your symptoms and the side effects of medication you are taking. Be sure to give examples of how your symptoms interfere with your ability to do things on a daily basis.
  6. Hire Nancy Cavey to help you file your initial application. The application process is confusing and designed so you and your physician make mistakes that can result in a delay or even a denial of your benefits. Ms. Cavey knows how to prepare and file a winning shock and awe disability application that leaves the carrier little reason to question your claim.
  7. Hire Nancy Cavey to help you appeal a wrongful denial or termination of your disability benefits. Disability carriers are in the business of collecting premiums and not paying disability benefits for Epstein-Barr virus. They’ll use any reason to deny your claim. The odds of getting your benefits on appeal are greater when you are represented by an experienced ERISA/private ID policy disability attorney.

Contact Disability Attorney Nancy L. Cavey, Who Can Help You Regardless of Where You Live

Epstein-Barr virus can make it difficult, if not impossible, to work. You owe it to yourself and your family to get help today! Nancy Cavey can review your policy and your medical records, and explain to you what your policy says and how to get your disability benefits.  Call today for a free consultation at 727-477-3263.