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
(648)
Showing 8 of 648 Reviews
Unum

Unum Closed My Case Today

Reviewed by Scott C. on July 5th 2024   Verified Policyholder | March 2023 date of disability
Unum will keep you around, if they pay you 100 a month. But as soon as have to pay more than 2700 a month, they will drop you. We will be going to the attorneys office fir... read more >
Hartford

Ran me Around for Months

Reviewed by David on July 5th 2024   Verified Policyholder | January 2024 date of disability
Scammers. Immoral horrible people.
Reply
Sent on July 5th 2024 by Attorney Gregory Dell

David:

It’s horrible that Hartford did that to you.

Prudential

Denied but Not Denied but I am Denied

Reviewed by KDDK on July 5th 2024   Verified Policyholder | August 2022 date of disability
I went out in Aug. 2022 for neck pain. After seeing a neurologist I had to get an ACDF C5-7, it was also determined I had carpal tunnel in my right hand and bulging disk i... read more >
New York Life

Claiming They Are Not Receiving Paperwork

Reviewed by Macey on June 26th 2024   Verified Policyholder | February 2024 date of disability
After suffering from medical issues from my delivery in February, I had to have a colostomy bag placed. Now New York Life is trying to claim my condition was pre-existing ... read more >
Hartford

Truly Horrible and Immoral Company with No Customer Service

Reviewed by William M. on June 26th 2024   Verified Policyholder | June 2020 date of disability
My experiences with Hartford have been nothing short of cruel. They started off by claiming that having Glioblastoma, which has an expected life span of about fifteen mont... read more >
Hartford

Sent my Direct Deposit to a Strangers Bank Acct

Reviewed by Brad on May 2nd 2024   Verified Policyholder | February 2024 date of disability
I went on short term disability and The Hartford put my direct deposit into someone else’s bank account. Somehow they messed up a number or two and they are refusing to ... read more >
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... 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
(6)
Showing 6 of 6 Answered Questions

Q: How do I get my Dr. to give Voya more info backing his claim?

Answered on May 28th 2024 by Attorney Gregory Dell
A: Renae:Migraines are very challenging claims and it sounds like your doctor is frustrated. When we handle ... Read More >

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 >
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Disability Benefit Tips
(331)
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Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >

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 concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

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

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

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

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... 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. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter... 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 the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file... 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 things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultimate r... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 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 benefits (“LTD”) for a period of 24 months. This is very common as with any denied claim, at the 2-year mark is when many ongoing claims are denied. Why? Typically group long term disability insurance policies have special provisions that kick after 24 months of be... 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 suffered from chronic debilitating effects of multiple physical conditions and ailments, including Chronic Intractable Migraines, which left him with debilitating physical and cognitive impairments. Mr. E was unwilling to give up his career and worked as long as he pos... 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 2013. He was a dedicated employee as she enjoyed the job and loved her employer. Unfortunately for our now client, medical issues seemed to be piling up and they began to affect her ability to perform the duties of her own occupation.The Former Customer Service Re... 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 debilitating effects of his chronic, organic medical conditions and associated cognitive deficits, including transient cerebral ischemia and chronic migraines, which left him with significant physical and cognitive impairments. As a result of his serious medical conditions ... 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 months. Unfortunately for our client, Aetna decided to deny benefits due to the “change in definition of disability.”Common in most group disability insurance policies, the change in definition typically happens after benefits have been paid for 18 or 24 months. For ... 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 job and employer she loved. Her work required superior cognitive and analytical skills and was both challenging and rewarding. Unfortunately for her, in December of 2016, she suffered a serious head injury. While she attempted to remain working, as of January 2017 her sy... 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 headaches. As time went by, the headaches worsened in frequency and severity and were accompanied by photophobia, phonophobia, nausea, and vomiting. In the previous two years before he filed his claim, he had also faced the stress of being diagnosed with kidney cancer and under... 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 estate transaction attorney, was forced to stop working due to debilitating symptoms from several medical conditions. He had been suffering from these conditions for several years but his symptoms had gradually worsened over time and eventually reached the point where he wa... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 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 Technologies Corporation (UTC) and covered by a disability insurance program offered by her employer and administered by Liberty. It was undisputed that prior to the onset of numerous symptoms, including nausea and daily migraine headaches, Plaintiff was a good worker in her ... 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 minimize the nature of one’s occupation. The most common being the downplaying of the cognitive demands of a given occupation in favor of focusing solely on the physical demands of the occupation. This often occurs when (1) the nature of the disability is due to a medica... 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 in a lawsuit filed against Unum Life Insurance Company of America. (Note: Attorneys Dell & Schaefer did not represent the claimant in this Unum lawsuit.) The claimant filed a disability claim, and received benefits for her migraine headache condition.Unfortunate... 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 Software Design Test Engineer and his attorney allege that the insurer breached its contract, violated the consumer Protection Act, acted in bad faith, and was negligent in denying him ERISA long-term disability benefits.Johnson succumbed to a disabling illness and ce... 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, brought an ERISA action against the Standard Insurance Company (Standard) seeking to recover long term disability insurance benefits wrongfully denied under the terms of a group insurance plan (the Plan) issued by The Standard Insurance Company.This case is a victor... 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 classic example of a disability insurance company's effort to convert a physical disability claim into a mental nervous claim only. Most disability insurance policies limit disability benefits to 24 months for a mental nervous condition, therefore disability companies will t... 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 she finally left the company's employ for disability reasons, she had worked her way to Customer Service Supervisor.She was covered by disability insurance offered by Standard Insurance Company (Standard). On September 28, 2002, she was disabled due to the side effects... 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 hospitalized for chest pain and partial paralysis in July 2002, she applied for short-term disability. Her application was approved.When her short-term disability coverage expired in January 2003, Liberty Mutual approved her application for long-term disability benefits, but c... Read More >

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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 insurance 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 disability insurance 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 disability insurance 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 attorneys 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 insurance attorneys 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 disability insurance 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 disability insurance 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 attorneys 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 attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance 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 offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers 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 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys 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 insurance 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, or video conferencing sessions. 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 insurance 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.

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