I have never been eligible for insurance longer than short term. Are FMS and CFS seen as disabilities for insurance purposes.
I want to add that I'm sorry that well meaning friends and relatives can create such challenges for people who clearly need assistance with some things and should be able to ask for help when it's needed. Not only does it create unnecessary challenges, but also unnecessary worry, pain, fear and hurt feelings. Well meaning or not, it has the same result.
How would I ask for emotional support when I'm experiencing a fibro flare? Well, I personally have had to deal with this. My spouse is sweet and loves to do things for me, so I've been very blessed. But, when it comes to being thoughtful, thinking of my feelings or emotional needs, these are not his strengths. I would hint to him, I'd pout in my room hoping he'd notice, I'd even cry if my feelings got hurt enough. But those tactics got me zero. It was only till after reading a very well written letter (found on another fibro support site) a fellow fibro warrior had written to her spouse to share facts of fibro & how having this illness was affecting her. Her needs were not being met but by sharing how fibro made her feel physically & emotionally, her husband's eyes were opened! Her needs were finally able to be met by taking that first step; by communicating with a loved one.
Most loved ones or good friends want to help but they just may not know how or what your needs are. Reach out. 😌
You don't mention where you are from but I can tell you what I learned here in Canada. I have been on disability since 2005. I was diagnosed with FMS and Osteoarthritis in the mid 80's. I am currently covered Long Term coverage via my employer as well as Canada Pension Disability. What worked for me was having a letter from a specialist (in my case a rheumatologist) that stated I had exhausted all avenues of treatment, and other than the meds I am on there was nothing more they could do for me. I also sent my attendance records from work which showed I had missed 5 months of work in the last year I was actively there. Today I believe they have made great strides in accepting Fibromyalgia as a real condition. If anyone was rejected years back I would try again. When I got approved I did a lot of research and it took many regular trips to the doctor's office to get forms completed which my family doctor does for me. Today I have to provide an update once a year for my employer coverage. Canada Pension Disability does not require anything further from me unless I decide to attempt to return to work. If you truly feel you cannot keep going to work, stay as strong as you can and fight for what you need. Good luck and Gentle Hugs!
@A MyFibroTeam Member
I found and read the same letter to my husband. Im also belessed with a very supportive husband and my 12yr old daughter. That letter was really good. Wish all was able to read it. Have a blessed day! Hugs
Rusti, I totally agree with your response!