If you suffer from chronic headaches or migraines, you know how incapacitating these afflictions can be. Most of us know someone who struggles with this illness. In fact – as reported by the Migraine Research Foundation,
• Worldwide, migraine is the 3rd most widespread infirmity
• About 1 in 4 U.S. households have a family member suffering with migraine
• Over four million people have chronic daily migraine, with a minimum of 15 “migraine days” every month.
• Over 90% of patients are unable to work or function normally during a migraine. Episodes generally last from 4 hours to 72 hours.
Category: Headaches-Migraines
How Can Insurance Companies Fight Paying Disability Benefits by Separating Impairments?
Today I want to talk about one of the nastier tactics that insurance companies can use to harm your workers disability claim and deny your benefits. It’s called separating impairments.
What does that mean? Well, many times if you’re applying for disability benefits, you have a variety of things wrong with you. Maybe you suffer from severe migraines and debilitating back pain or depression and anxiety. Whatever the specific impairments you have, their combined effect on you makes you eligible for disability.
But insurance companies often have a policy of separating out each of your individual problems and sending each one out to a different disability specialist – a doctor who specializes in that specific impairment. Their argument is that it’s better to have people who are experts in particular areas looking at those problems rather than asking a doctor to make a judgment about something when it isn’t his or her specialty.