Chronic fatigue syndrome (ME/CFS) can be profoundly disabling, with debilitating fatigue, cognitive difficulties and crashes after exertion that make consistent work impossible.
Why these claims need strong evidence
Because CFS is largely diagnosed clinically and can't be confirmed by a single test, insurers often want detailed, consistent documentation — making medical evidence especially important.
What helps a CFS claim
- Specialist reports and a clear clinical diagnosis.
- A consistent, long-term treatment history.
- Functional capacity evidence showing the limits on sustained activity.
The real test
It comes down to whether you can sustain work under your policy's definition — not whether you can manage occasional light activity.
Find out where you stand with our free eligibility check.