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Document type
LTD / ERISA Medical-Function Review

Long-Term Disability Medical-Function Review — Chronic Migraine / Own Occupation

Specimen · Fictional clinical data · No PHI · Counsel supplied policy definition and occupational duties
01 Claim & Standard02 Executive Assessment03 Longitudinal Map04 Function Matrix05 Peer Review06 Consistency07 Record Gaps08 Provider Questions
Claim & Review Standard
Claim
Group long-term disability — own occupation period
Claimant
48 F, hospital revenue-cycle director
Conditions
Chronic migraine, cervical spondylosis, medication-related cognitive slowing
Occupation supplied by counsel
High-frequency meetings, complex financial analysis, sustained screen use, deadline-driven decision-making
Adverse review
Neurology file review concludes full-time sedentary capacity
Purpose
Administrative-record medical-function analysis before appeal submission
Counsel supplied the operative disability definition and occupational duties. This review addresses only what the medical record establishes about sustained function during the relevant period. It does not interpret policy language, perform vocational matching, or decide benefits entitlement.
Section 02
Executive Medical-Function Assessment
Administrative record
Net assessment

The record supports recurrent, treatment-resistant migraine with episodic inability to sustain screen use, concentration, and reliable attendance. It does not yet quantify the frequency and duration of incapacitating episodes consistently enough to support every asserted work restriction. The adverse peer review relies heavily on normal interictal neurological examinations and does not adequately address longitudinal headache frequency, rescue-medication use, documented work interruption, or medication effects. Treating-provider clarification is needed before the administrative record closes.

Section 03
Longitudinal Condition & Treatment Map
Source linked
Month -18
Baseline

4–6 migraine days/month; working full time; episodic triptan use.

Month -6
Escalation

12–15 migraine days/month; preventive therapy changed; two urgent-care visits.

Claim month
Work cessation

Neurologist documents 3–4 severe episodes weekly, photophobia, nausea, and need to lie in a dark room; employer notes repeated early departures.

Month +3
Partial treatment response

CGRP therapy reduces severe episodes, but diary and pharmacy records remain incomplete.

Section 04
Diagnosis-to-Function Matrix
Documented function only
Functional domainSupporting evidenceContrary / limiting evidenceAssessment
Screen tolerancePhotophobia documented; claimant and employer describe screen-triggered worseningNo formal ergonomic or visual-tolerance assessmentPartially supported
Concentration / paceNeurology notes cognitive slowing during severe episodes; topiramate side effects documentedNormal brief office cognition between episodesEpisodic support
Attendance reliabilityEmployer attendance log; urgent-care visits; frequent rescue-medication useHeadache diary incomplete for 7 of 12 weeksNeeds quantification
Physical sitting / liftingNo material restriction documentedNormal strength and gaitNot limiting
Decision-making safetyNo documented dangerous errorsClaimant reports slowed processing during attacksNot established
Section 05
Adverse Peer-Review Analysis
Reasoning audit
Peer-review statementRecord issueMedical analysis
“Normal neurological examinations demonstrate no functional impairment.”Examinations occurred between attacks.A normal interictal examination does not by itself address episodic migraine frequency, duration, recovery time, photophobia, nausea, or attendance effects.
“No objective evidence supports cognitive restriction.”Medication side effects and episode-related slowing were documented but not analyzed.The record lacks formal cognitive testing, but the reviewer should distinguish absence of testing from affirmative evidence of sustained full function.
“Treatment improved symptoms.”Improvement was partial and diary documentation incomplete.Partial response does not establish full-time reliability. The relevant question is residual frequency and functional impact.
Section 06
Internal Consistency & Competing Evidence
Balanced review
  • 01
    Strongest support: longitudinal treatment intensity and documented work interruption.

    Multiple preventive trials, urgent visits, employer attendance evidence, and specialist notes support a substantial change from baseline.

  • 02
    Primary weakness: inconsistent episode quantification.

    Provider notes alternate between weekly estimates, monthly counts, and qualitative descriptions. The diary is incomplete.

  • 03
    Important contrary evidence: preserved function between episodes.

    Normal strength, gait, speech, and brief cognition should be acknowledged rather than ignored; the claim turns on sustained reliability, not continuous neurological deficit.

Section 07
Administrative-Record Gaps
Before closure
Missing evidenceWhy it mattersAction
Complete 8–12 week headache diaryQuantifies frequency, duration, rescue use, recovery time, and work interruptionObtain contemporaneous diary or reconcile existing entries.
Treating neurologist restriction rationaleCurrent note states “unable to work” without linking attacks to specific dutiesRequest duty-specific explanation supplied through counsel.
Medication side-effect timelineTopiramate-related slowing is documented but dose changes and persistence are unclearClarify onset, dose relationship, current status, and alternatives.
Employer attendance and accommodation recordHelps test sustained reliability and failed work modificationsInclude complete non-medical record where procedurally appropriate.
Section 08
Treating-Provider Questions
Counsel directed
  1. During the relevant period, how many migraine days and how many functionally incapacitating migraine days occurred per month?
  2. What is the typical duration of a severe episode and the recovery time before reliable screen-based work can resume?
  3. Which material occupational duties are affected, and is the limitation continuous or episodic?
  4. What treatment response occurred after CGRP therapy, and what residual frequency and functional limitations remained?
  5. Did topiramate or other medication cause cognitive slowing, and if so, during what doses and dates?
  6. What objective and longitudinal evidence supports any restriction on attendance, pace, concentration, or screen exposure?
Scope and Boundary StatementThis specimen demonstrates a physician-authored, source-linked medical record analysis using fictional data. It does not provide legal advice, certified life care planning, economic opinion, vocational analysis, independent medical examination, benefits entitlement, or testimony. Conclusions are limited to the supplied fictional record and preserve genuine uncertainty.