If you suffer from migraines, then you know what it is like talking to someone that that has never had one. They just don’t understand. When you have a disability insurance claim based on migraines, it is like talking to that person who does not understand EVERY DAY. Sometimes, it sure seems they do not care to learn anything about your migraines.
So, how do you get the adjuster to realize how your migraines keep from working?
The best way to show how severe your migraines are is to use a migraine journal. There are many online or you can make your own. Some websites that have good ones are (in no particular order):
Each of these has good points compared to the others. You can also create your own migraine journal. There are several good websites to help you:
You can use your migraine diary/journal to track things like
- frequency – how often your migraines are happening,
- duration – how long your migraines last
- intensity/severity – how bad they are (from a simple 1-10 scale to more complex notes)
- treatments – what medications you take, when you take them, etc.
- side effects from your medications – memory problems, for example
- special conditions – do you need total darkness? for how long?
- inability to interact with other people
- unpredictability – do your migraines occur following certain events or randomly?
The more details you write down about your migraines, the better you can paint a picture for an adjuster that is not going to go to any extra effort to learn why you cannot work. Keeping track of your migraines may also help you learn how to control them. (See fyiliving.com). The notes you take should explain the challenges you face trying to go to work 8 hours per day, 5 days per week. Hopefully, your detailed notes about your migraines can make it simple enough for anyone to understand why you cannot work.
John Tucker is a Disability Attorney representing people in different types of disability insurance claims and lawsuits. If you would like a free consultation about your disability claim, call (866) 282-5260.
- Dad: You Know What It’s Like: Migraine Awareness Month Blogging Challenge (somebodyhealme.dianalee.net)
- If Money Was No Object: Migraine Awareness Month Blogging Challenge (somebodyhealme.dianalee.net)
- Health Union Launches Mobile App, Migraine Meter to Help Patients Better Monitor and Manage Migraines (sacbee.com)
- What You Might Not Know About Treating Migraines (thedailymuse.com)
- Migraine Awareness Month 15: We’re Like Pennies (puttingourheadstogether.com)
- What is a Migraine (goldenrule.com)