Collecting Headaches Or Migraines Disability Benefits Is A Reality

Individuals who experience either chronic headaches or migraines understand how the pain they experience can prevent them from working in a job environment with any reasonable continuity. Our disability insurance lawyers often see how disability insurance companies will wrongfully deny a person disabled by headaches and migraines claiming there is “no objective evidence” to support the claim for benefits.

The reality is that approximately 99 percent of individuals receiving disability benefits as a result of headaches and migraines have normal CT scans and MRIs. Unless a claimant has a brain legion or positive spinal tap, there are not tests to objectively prove a person suffers from headaches. Headache claims are generally founded on subjective complaints from those suffering. To ensure that a disability claim is approved, individuals must be able to show the proper documentation regarding all of the daily limitations the disability causes them. We have helped hundreds of individuals with headaches to obtain disability benefits. Our lawyers have worked with the world’s leading headache experts and we continually monitor the medical literature discussing headache disorders.

For example, there is an overwhelming amount of headache medical publications stating that exercise is good treatment for people with headaches and overuse of medications for headaches can be bad for a claimant. This is important information, because a disability company will video tape a claimant doing normal activities and then claim the person can work. A person suffering with headaches is not bedridden 40 hours a week and a person does not need to be bedridden in order to collect disability insurance benefits. Our firm can help you file your disability application, Appeal a claim denial, or file a lawsuit in any Federal Court nationwide.

Your Lawyer’s Understanding of Headache and Migraine Disorders is Critical

There is a diagnostic Manual for Headaches which categorizes all of the different types of headaches. Specific criteria must be documented by your treating physician in order to properly support your headache diagnosis. Our disability lawyers have a strong medical understanding of all headache disorders and we work with our clients to make sure they have the best medical documentation necessary in order to support their claim for short or long term disability benefits. Headache disability claims will be challenged by the insurance company, but with proper documentation they can be won. Contact us to learn more about how we can assist you. Regardless of where you live, we are available to assist you.

Our Experience with Headache and Migraine Disability Claims

We understand what is needed for individuals to receive disability insurance benefits. We have listed numerous examples of headache disability claims that we have handled and other cases throughout the country which Federal Courts have issued legal opinions. We regularly update this page in invite you to return for updates or join our email newsletter for weekly disability insurance news updates. Here are a few examples of some resolved Headache disability cases.

Unum Pays Over One Million Dollars in Disability Benefits to Disabled Lawyer After Reviewing Disability Appeal Submitted by Attorneys Dell & Schaefer
Prudential Overturns Disability Denial for Third Time to Insured with Cluster Headaches

Resources

Valuable information regarding headaches and migraines can be found online at:

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Appeal Package

We work with you, your doctors, and other experts to submit a very strong appeal.

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Sue Your Disability Insurance Company

We have filed thousands of disability denial lawsuits in federal Courts nationwide.

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Protect Your Benefits
Get Your Disability Application Approved
We help claimants throughout the entire application process.

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Prevent a Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate a Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

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Disability Company Reviews
(641)
Showing 8 of 641 Reviews
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Lincoln Financial

Never received benefits my entire leave - or help with them

Reviewed by Anna on December 19th 2023   Verified Policyholder | November 2023 date of disability
I used my short term disability insurance for maternity leave and started the process beforehand knowing when I would be out (scheduled induction.) It took a little over a... read more >
Sun Life

Unscrupulous Tactics

Reviewed by Misseekayy on December 19th 2023   Verified Policyholder | May 2023 date of disability
Sunlife uses unscrupulous tactics in order to prevent payment of claims. They wait until it is close to the 30 day mark and then they ask for another form of information o... read more >
Sedgwick

Lame

Reviewed by Dennis T. on December 11th 2023   Verified Policyholder | March 2022 date of disability
My experience with Sedgwick and personell is as follows: Unhelpful, unprofessional and an overall unpleasant experience.
Unum

Low payments

Reviewed by Dorothy on November 30th 2023   Verified Policyholder | November 2023 date of disability
I was injured at work. I did house keeping in a hospital. I tore just about everything imaginable in my knee. I was let go from my job, because I was no longer able to do ... read more >
Lincoln Financial

My doctor put me on bed rest, but Lincoln Financial said "nope, you can work"???

Reviewed by Katie on October 25th 2011   Verified Policyholder
Lincoln Financial is a joke. I have been paying for short/long term disability for the last 3 years. My OB doctor put me on bed-rest at 22 weeks due to premature contracti... read more >
Answered Questions by Our Lawyers
(5)
Showing 5 of 5 Answered Questions

Q: Would a diagnosed condition of psoriatic arthritis qualify me for a LTD?

Answered on December 20th 2023 by Attorney Rachel Alters
A: The diagnosis alone doesn’t qualify you. Your doctors would need to document that your condition was so seve... Read More >

Q: Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?

Answered on July 11th 2020 by Attorney Alex Palamara
A: Fred, I am sorry to hear all that you have been through medically and in dealing with Reliance Standard. Unfor... Read More >

Q: Can Aetna exercise a 45 day extender to render a decision on my appeal?

Answered on September 8th 2016 by Attorney Stephen Jessup
A: Tiffany, during the course of an appeal Aetna can exercise a 45 day extension to render a decision on the appe... Read More >

Q: Can Hartford tell my doctor I shouldn't be present when he fills out their paperwork?

Answered on April 5th 2016 by Attorney Stephen Jessup
A: Molly, if your policy requires you to be out of work for 7 consecutive days to satisfy an elimination period (... Read More >

Q: What right does CIGNA have in contradicting my own medical doctors recommendation?

Answered on February 18th 2011 by Attorney Gregory Dell
A: Karla, your situation with CIGNA is typical conduct for a disability insurance company. We have not seen your ... Read More >
Helpful Videos
(861)
Showing 12 of 861 Videos
Disability Benefit Tips
(330)
Showing 8 of 330 Benefit Tips

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concern... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... Read More >

How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial

At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few thi... Read More >

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we've helped hundreds of clients recover long term disability benefit... Read More >
Dell Disability Cases
(369)
Showing 8 of 369 Dell Disability Cases

Lincoln LTD Denial Reversed for an Occupational Therapist that was Denied Benefits After 24 Months

Our now client came to us after she received a denial letter following her receipt of long term disability b... Read More >

Lincoln overturned its previous denial of LTD benefits for Escalation Engineer

Our client, Mr. E, formerly worked as an Escalation Engineer for a national data services and data management company. For many years Mr. E ... Read More >

After Principal Denies Continued Disability Benefits, Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee

Our new client was a dedicate employee of Vienna Beef who worked as a Customer Service Representative (a sedentary occupation) since August 20... Read More >

Aetna Overturns Denial of Long Term Disability Benefits for Quality Control Manager

Our client, Mr. J, formerly worked as a Quality Control Manager for a large home furnishings store. For many years Mr. J suffered from the deb... Read More >

Aetna Overturns Denial of LTD for Former Employee of The Home Depot

Prior to enlisting our services to challenge a denial, our client had received benefits from Aetna due to his disabling conditions for 18 mont... Read More >

Aetna Reinstates Benefits for Former SAP America Employee Suffering the Effects of a Head Injury

My now client worked for SAP America, Inc. as a Senior Solutions Sales Executive for nearly seven years. She made a great salary working at a ... Read More >

Attorney Cesar Gavidia Successfully Reinstates CIGNA Benefits to a Senior Systems Engineer Suffering from Migraines

Claimant in this case was a Senior Systems Engineer with the EMC Corporation. He had a long history of suffering with chronic migraine headach... Read More >

Standard Overturns Denial of Benefits to Shareholder of Major Law Firm

When Mr. L contacted us he had recently left a major law firm where he had been working for 27 years. Mr. L, a commercial finance and real est... Read More >
Disability Lawsuit Stories
(764)
Showing 8 of 764 Lawsuit Stories

Court Orders Liberty to Pay LTD Benefits to Plaintiff Who Proved She was Disabled

The case of Spears v. Liberty Life Assurance Company of Boston (Liberty) began when Plaintiff was employed by United Techn... Read More >

California Court Overturns Prudential Denial of LTD Benefits

In reviewing long term disability denial letters we find that there are a handful of industry wide arguments made by insurance companies to mi... Read More >

Unum Disability Denial For 24 Month Self Reported Pain Limitation Due to Migraines Upheld By Virginia Court

Disability Attorney Alexander Palamara discusses a recent ruling by a Virginia District Court... Read More >

Microsoft employee forced to sue Prudential for denial of ERISA disability benefits

Forced to hire a disability lawyer to represent him in United States District Court to file an ERISA lawsuit against Prudential Insurance, a S... Read More >

Oregon Judge orders Standard Insurance Company to pay disability insurance benefits beyond the 24 month mental disorder limitation

In James F. Kitterman Vs Standard Insurance Company and Standard Select Trust Insurance Plans, the plaintiff, through his disability attorney,... Read More >

American United Life Insurance disability denial reversed for woman with fibromyalgia, depression and migraines

This disability insurance denial by American United Life Insurance Company (American) and Disability Reinsurance Management Services is a clas... Read More >

Standard denies disability insurance benefits to woman with brain hemorrhage and headaches

Over 14 years, Kathleen M. Hackett worked her way up through the ranks at Mileage Plus Inc. (MPI) a Rapid City, South Dakota business. When sh... Read More >

Liberty Mutual and Wachovia interpret migraine headaches to be psychiatric and not disabling (Part I)

As an employee of Wachovia, Sharon Creel had participated in her employer's short-term and long-term disability plan. After she was hospitaliz... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, GoToMeeting sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.