What about the unfortunate employee who is covered by a disability policy but can't satisfy the insurer's demand for objective proof? Claims for disability benefits made by people who suffer from chronic pain and fatigue syndromes are often denied for lack of objective medical evidence. Because chronic fatigue syndrome and fibromyalgia cannot be verified by objective medical tests, these conditions pose a challenge for long-term disability benefits law. This problem is being fixed in our federal courts under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA protects employees who have been improperly denied their long-term disability benefits.