Add Comment Question: I've had chronic headaches for over 2 years. I took sick leave last year for 4 months. I had been getting better, but have missed a lot of work since then and my condition is now getting worse. There are many days when it's debilitating and I cannot function. Do I have a chance at Ltd? I had applied for critical illness benefits through our group insurance and was denied. I have documentation and notes from my dr as well. Answer: I'm going to email you about this directly. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.