Many policies have a provision that limits coverage for disability benefits due to an illness or injury that is based on self-reported symptoms (sometimes referred to as “subjective” symptoms). These are disabilities that cannot be verified by medical testing. Common examples include headaches, pain, fatigue, stiffness, soreness, ringing in the ears, dizziness and numbness. Typically, benefits are limited to a period of 24 months.
Click here for more information about the challenges of disability claims involving self-reported symptoms.