Banks and finance companies ask their customers to take out insurance to cover mortgage or loan repayments if they can't keep up the payments because of disability. Some credit cards include disability lump sums and some banks, employers, unions, credit unions and sporting and social clubs have disability insurance policies for their members. Making Claims and Appeals Insurance disability claims can usually be made at any time although it is better to make a claim as soon as possible. There will be insurance claim forms to fill in and medical reports and other papers to send in to the insurance company. If an insurance claim is rejected, you can appeal to a Court or to a low-cost insurance complaints scheme.
Many appeals win or are settled.
It is important to get help with a claim or appeal. If you already have Chronic Fatigue Syndrome, it may be difficult to take out a policy with disability or death benefits. If you try to take out your own insurance or superannuation policy, you will usually have to fill in a medical questionnaire to work out the health risks. If you know you have Chronic Fatigue Syndrome, you may have to tell the insurer and they may then refuse to cover you for disability payments. If you knew you had Chronic Fatigue Syndrome when you joined but didn't tell the insurer, they may refuse to give you a payment - although not always.