It’s an unscientific fact that insurance companies don’t like fibromyalgia claimants. It makes no difference of the context of that fibromyalgia claim. It could be for your short term disability claim, long term disability claim, slip and fall or car accident.
Don’t take it personally. It’s not YOU they don’t like. It’s your symptoms, injuries, and what they stand for.
Here’s the harsh reality about fibromyalgia. It won’t show up on an x-ray, CT scan, MRI or any other fancy objective scan. There are trigger points but those don’t show up on computer tests. Insurance companies LIKE those sort of tests. It puts your injuries in to a black and white context. If it’s there on the scan and visible to the naked eye on a computer screen, then you have it and you’re likely suffering from it. If your injury doesn’t show up on the scan, then it doesn’t exist. It’s probably a figment of your imagination, or a way for you to lie in your attempt to deceive the insurance company.
It makes it much easier for an insurance company to lump your claim in to a simple formula that an unskilled, and untrained adjuster can follow. If the claimant has an ankle fracture, then he/she is entitled to “X” amount of dollars. If the claimant has a broken femur then he/she is entitled to “Y” amount of dollars…And so forth. I hope you get the picture.
The moment that your injuries cannot be put in to a simple mathematical and easy to understand equation is the moment that the insurance company needs to think and take a better look at your claim. When the insurance company has to slow down its operations for your claim, it hampers their productivity and profits. This is NOT good for their business.
The problem is that fibromyagia cannot be put into a simple mathematical equation and cannot be looked at from a “black and white” perspective. There’s a lot of grey area when dealing with these types of claims.
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