Can I claim total and permanent disability for chronic fatigue syndrome?

What is chronic fatigue syndrome?

If you’ve found this article, chances are you know the debilitating nature of chronic fatigue syndrome (CFS). 

CFS is a complex ailment characterised by excessive exhaustion that lasts for at least six months and that is not fully explained by an underlying medical condition. Physical or mental exertion makes the tiredness worse; rest does not make it better.  

Additional identifying signs comprise:  

  • An unrefreshing night’s sleep  
  • Memory, concentration, and focus problems  
  • Dizziness that gets worse when getting up from a seated or lying down position 

This condition is also known as myalgic encephalomyelitis (ME) or more recently, systemic illness with exertional intolerance (SEID).   

Although there are many theories for the cause of CFS, from viral infections to psychological stress, the origin of chronic fatigue syndrome is unknown. According to some specialists, several variables may contribute to chronic fatigue syndrome.  

The diagnosis of chronic fatigue syndrome cannot be verified by a single test. To rule out other health issues that have comparable symptoms, you might require a number of medical tests. Sadly, the current goal of treatment for chronic fatigue syndrome is to reduce symptoms. 

Can I make a disability insurance claim for chronic fatigue?

Know your rights. 

Most disability insurance claims are cause-agnostic, meaning that it is irrelevant what injury or illness causes you to be unable to work. 

If you can demonstrate that your CFS is diagnosed, disabling and that you are unlikely to return to work within your education, training and experience you may have good prospects of success for a total and permanent disability (TPD) claim. 

 That said, because of the sometimes-controversial nature of a chronic fatigue diagnosis, it pays to have informed legal advice and access to doctors who understand the nature of the condition. 

 The above also applies equally to those suffering from chronic regional pain syndrome (CRPS) and fibromyalgia. 

How can Littles help?

If you are yet to make a trauma, income protection or total and permanent disability claim because of your CFS, you are entitled to legal representation and Littles can help you. 

 If you have already lodged a claim and it has been rejected by a superannuation fund or insurer, you may be entitled to have the decision reviewed through an internal resolution procedure.  

If your complaint has been upheld, you may be able to litigate in a court or lodge a complaint with the Australian Financial Complaints Authority (AFCA). 

There are strict time limits to challenge an insurer’s decision, so it’s important you seek legal advice as soon as possible. 

What is the Littles difference?

Put simply, Littles are experts in superannuation and insurance law matters. 

Our insurance team has helped thousands of consumers claim their entitlements, and our Head of TPD and General Insurance has extensive industry knowledge and insight on how to maximise your prospects of success. 

We also speak your language, at sixteen languages and counting. Forget paying for a translator or for a lawyer who doesn’t understand you and your cultural background. 

All our superannuation and insurance law matters are conducted on a no win, no fee basis, and we don’t charge you upfront for any disbursements necessary to prosecute your claim.  

 If you would like superannuation and insurance law advice, reach out to Littles today by using our free Claim Checker. 

About the author

Rowan McDonald

Littles’ Head of TPD and General Insurance, Rowan McDonald, is an expert in insurance and superannuation law.  Rowan is an experienced litigator and has prosecuted thousands of successful insurance claims for consumers. 

Having worked in the insurance industry for over fifteen years, Rowan has an extensive industry contact list and regularly presents to disability support groups, financial industry professionals and multicultural organisations. 

Rowan has also advised some of Australia’s top insurers, giving him unrivalled insight into the claim process from all perspectives.  Rowan takes a pragmatic and common-sense approach to the advice he provides his clients. 

For your free, personal consultation get in touch with Rowan today.  

Like? Share it with your friends.

Contact the Author


More Articles

 หากการเรียกร้อง TPD ของฉันถูกปฏิเสธฉันจะทำอย่างไรต่อไปดี

หากการเรียกร้อง TPD ของฉันถูกปฏิเสธฉันจะทำอย่างไรต่อไปดี ? ในทั่วประเทศออสเตรเลีย ผู้คนหลายพันคนจ่ายค่าประกัน TPD ผ่านเงินที่หามา ได้ยากลำบากในกองทุนซุปเปอร์ของพวกเขา แต่หลายคนกลับไม่ทราบว่าพวกเขามีประกัน TPD ด้วย อย่างไรก็ตามหากคุณได้รับบาดเจ็บหรือเจ็บป่วยซึ่งหมายความว่าคุณไม่สามารถทำงานได้ คุณอาจมีสิทธิ์ได้รับเงินเงินชดเชยจาก TPD ซึ่งสามารถบรรเทาความทุกข์ร้อนของคุณ ได้เป็นอย่างมาก    อย่างไรก็ตามการได้รับการบรรเทาทุกข์นี้อาจมีอายุสั้นหากบริษัทประกันของคุณปฏิเสธการเรียกร้อง TPD...

Read More


Public Liability Claims 公共責任索賠是基於第三方有過錯。如果您想成功索賠賠償,您必須能夠證明自己以外的另一方的過錯(或通常被描述為疏忽)。如果您無法確定疏忽,那麼即使您因事件而受到傷害,您也無權獲得任何賠償。  如果您能夠確定疏忽,那麼根據您的具體情況,您可能有權向被告索賠四項損害賠償: 1. 醫療和治療費用 您可能能夠申請合理且必要且與您的受傷相關的醫療和治療費用。這些可能包括藥費(藥物費用)、專家諮詢、手術和附帶費用、物理治療師、脊椎按摩師、放射學掃描等。您還可能有權獲得往返您的治療提供者的合理旅行費用。  藥品費用與通常從藥房購買的物品有關。這些費用的報銷也需要評估費用是否“合理和必要”。通常在購買前與您的醫生討論是否需要藥物就足夠了。  為了支持您的醫療和治療費用索賠,您必須與您的主治全科醫生討論建議的治療,獲得建議治療的轉介,並保留您自己接受和支付的任何治療的收據副本。  2. 工資損失(經濟損失) 如果您能證明您的受傷已經或將會對您的收入能力產生影響,您可能有權就過去和未來的收入損失提出索賠。  這可能包括因受傷、失去職業晉升或機會、無法恢復受傷前的工作時間和職責, 需要提前退休, 或完全喪失工作能力而無法重返工作。  您也可能有權就過去和未來的退休金供款損失提出索賠。  3. 家庭護理和援助 如果您因無法做家務或照顧自己而從家人或朋友那裡得到無償照顧和幫助,您可以就該幫助要求賠償。如果您已支付商業家庭援助費用,我們建議您保留付款收據的副本,因為您也可以將此作為索賠的一部分。 ...

Read More