Does Critical Illness Cover Chronic Fatigue?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Does Critical Illness Cover Chronic Fatigue?

Critical illness insurance typically does not cover chronic fatigue syndrome (CFS). This type of insurance is designed to provide a lump sum payment if the policyholder is diagnosed with one of the specific serious illnesses listed in the policy. Commonly covered conditions include certain types of cancer, heart attacks, and strokes. Chronic fatigue syndrome, being a complex and less clearly defined condition, is usually not included in the list of covered illnesses for most critical illness policies.

Examples of Conditions Typically Covered by Critical Illness Insurance

  1. Cancer
  2. Heart Attack
  3. Stroke
  4. Major Organ Transplant
  5. Kidney Failure
  6. Multiple Sclerosis

Why Chronic Fatigue Syndrome is Not Covered

  • Lack of Clear Medical Definition: Chronic fatigue syndrome is difficult to diagnose and lacks a universally accepted medical definition.
  • Variability of Symptoms: The symptoms of CFS can vary greatly and are often subjective, making it challenging to assess for insurance purposes.
  • Long-Term Nature: Chronic fatigue syndrome is a long-term condition, whereas critical illness insurance typically covers acute, life-threatening illnesses.

Conclusion

Critical illness insurance provides financial support for specific, severe health conditions but does not typically cover chronic fatigue syndrome. It’s important for policyholders to understand the specific terms and conditions of their insurance policy. For further information or to discuss insurance options that might better suit your needs, including coverage for conditions like chronic fatigue syndrome, contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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