Lyme disease is a condition that many people have heard of, but few understand beyond how it is contracted. However, it is a condition that can present with a wide variety of symptoms that make life and work extremely difficult for anyone who has the disease. Given the wide variety and extensive list of symptoms associated with Lyme disease, it can often go undetected for a significant period of time, similar to other “invisible conditions”. However, once it’s suspected, it can usually be confirmed through a two-step testing process and treated. Unfortunately, tests in Ontario are sometimes not as effective as elsewhere and the condition may go undetected.
The longer Lyme disease goes untreated the more difficult it is to treat completely. As a result, it is critical that anyone who contracts Lyme disease seeks medical attention as soon as possible. If you have submitted a long-term disability claim due to a Lyme disease diagnosis or a suspicion of Lyme and you’ve been denied, it is important to reach out to experienced long-term disability lawyers as soon as possible. At MK Disability Lawyers, we have helped many clients dealing with Lyme disease or Lyme-related symptoms secure a reversal of their claim denial. We will walk you through the process of appealing a claim denial or termination and advise you on your next steps to gather the necessary information to put forward an effective challenge to your insurer’s decision.
Lyme is an infectious disease transmitted by the deer tick. If you are bitten by an infected deer tick, you may first see a red bump similar to a mosquito bite that will go away after a few days. If you were infected by Lyme via the bite, you will develop a rash at the site of the tick bit, anywhere from 3 to 30 days afterward. The rash will generally be white in the centre and red around the perimeter, resembling a bullseye, and can grow up to 12 inches across. It is important to note that while this rash almost certainly indicates the presence of a Lyme infection, the lack of a rash does not necessarily indicate the opposite. In addition to the rash, other more immediate symptoms of Lyme include chills, fever, body aches, headache, neck stiffness and swollen lymph nodes. The symptoms tend to resemble the flu, which is why people may not seek medical attention right away. If left untreated, more symptoms will likely develop weeks, months or even years later, including:
Lyme disease can be diagnosed with a two-step lab test which is most effective a few weeks after infection. If the test is done too soon, it may show a false negative result. Once Lyme disease is diagnosed, most people respond well to antibiotics, however the longer it goes undetected the more likely that some symptoms will never fully go away.
Note that a diagnosis is not necessary to appeal a denial of benefits. If you are experiencing symptoms that are compromising your ability to function at your job, you may have a legitimate claim. The most important thing for you to do is ensure that you report any and all symptoms to your physician and follow their advice with respect to treatment. It is key to establish that you have been making efforts to deal with your symptoms to the best of your ability.
At MK Disability Lawyers, we do our best to take on the stress of dealing with our clients’ long-term disability disputes, so they don’t have to. Clients facing a Lyme disease diagnosis, or a suspected Lyme infection may experience a range of symptoms that impair their ability to work. The difficulty with diagnosing the condition can be frustrating, which is compounded if a claim for long-term disability is denied. We advise clients on the best path forward to successfully appeal a claim denial while remaining sensitive to the physical and emotional challenges they are facing. If you have had a long-term disability claim denied or terminated, we can help. To arrange a complimentary consultation with one of our experienced disability lawyers, please complete the online form, or call us at 844-697-4600.