Migraine headaches can cause long-term disability. Migraines are a common issue our disability insurance attorneys handle. Unfortunately, people who experience severe migraines may have a hard time receiving disability insurance benefits.
What Is a Migraine or Chronic Migraine?
Migraines are severe headaches that can last days. Many times migraines are accompanied by other symptoms such as:
- Increased sensitivity to light
People who suffer from chronic migraines are restricted to staying in bed for hours, or even days, at a time. During a migraine, it may be hard you for to perform daily tasks. It is even harder to think about working when you suffer from chronic migraines.
Additionally, migraines can be unpredictable and hard to anticipate. The frequency and severity of these migraines, alone, may be disabling.
Insurance Companies Typically Deny Migraine Disability Claims
Your disability insurance company will look for any reason to deny your claim for disability benefits. In our experience, companies typically deny claims for long-term disability for migraines. This is because MRI’s and other scans generally do not confirm migraines.
In fact, these scans will most likely reveal “normal” findings. Migraines are diagnosed based on an individual’s self-reports of headaches and pain. It can be very subjective and insurance companies do not like that.
Insurance companies take advantage of how subjective migraines are. And they commonly deny the claim. They may state that your disability is not supported by objective medical evidence. Your medical records may not show the symptoms associated with migraines. Thus, it is very important that your doctors know you are claiming disability and consistently support you.
How We Can Help
Our experienced disability insurance attorneys have represented many individuals nationwide with chronic migraines against all major disability insurance companies. We are familiar with each one and how they handle a disability claim.