If you suffer from chronic migraines, you are no stranger to pain. Migraines occur due to changes in the brain and its surrounding blood vessels. Migraines are far worse than the average headache, and they include symptoms such as nausea and vomiting, sensitivity to light, visual disturbances, or “auras,” and an irritable, or even depressed mental state. This is no laughing matter, and those who suffer from chronic migraines are, without a doubt, fighters. Migraine headaches may also last anywhere from 4-72 hours, which quite obviously extends well past the average workday. More than 4 million adults experience chronic daily migraines, and the ongoing use of medication very often only worsens the problem. If you suffer from chronic migraines, there is a good chance you are looking into long term disability benefits, and understandably so. Here are some of the questions you may have:
How can long term disability insurance help me?
If you are missing work due to a medical condition, you most likely feel the stress of medical bills piling up, draining you of your financial assets. If you are in a situation where you cannot return to work and need help to stay afloat, you may file a long term disability claim. If your claim is approved, you will either receive monthly payments or one lump sum from your long term disability insurance. This is a huge sigh of relief for those unable to return to work. However, insurance companies may try and deny you of your benefits, so you should always hire a knowledgeable attorney who will fight for the benefits you need and deserve.
How do I file a long term disability claim?
First, you must speak with your employer or insurer to ensure you understand your policy. Next, you will file your claim within 180 days. When you do so, you must include medical records and doctor’s opinions. Doctor’s notes, hospital records, x-rays, and MRI results are just some of the documents you may submit to help prove your claim. Your doctor should also draft an in-depth report of your condition and how it affects your daily life, thereby preventing you from returning to work. Your doctor should also provide a detailed account of your medical history as well. Do not let insurance companies get the best of you. Hire an attorney who will have your back, every step of the way.
Contact our experienced firm
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.
Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.