5 Conditions That Qualify for Long-Term Disability Benefits

According to a study by the Social Security Administration, over one in four of today’s 20-year-olds will become disabled before they retire.

It is important to learn about disability benefits, as you never know when disaster strikes. This is particularly true for those working in jobs that involve a certain amount of danger.

Legal websites, like Disability Advice, are a godsend in this regard. They offer all the information one needs to know about disability benefits.

Founded by one of the top disability benefit attorneys in the US, Disability Advice contains tons and tons of information regarding claiming disability benefits, eligibility, and more. The website also has guides on how people can claim disability benefits.

Long-term disability (LTD) insurance provides financial support to individuals who’re unable to work due to serious health conditions. Understanding the specific conditions that qualify can help you or your loved ones navigate this challenging time.

Common Conditions That Qualify for Long-Term Disability Benefits

1. Musculoskeletal Disorders

Musculoskeletal disorders are a common reason people apply for long-term disability benefits. People with musculoskeletal disorders may struggle with physical tasks or even sitting for long periods of time. These disorders affect the bones, joints, muscles, and spine. Examples of musculoskeletal disorders include:

Arthritis: This condition causes pain, swelling, and stiffness in the joints. It can make it hard to move and perform daily tasks.
Back Pain: Severe back pain, especially from conditions like degenerative disc disease or herniated discs, can prevent someone from working.

2. Mental Health Disorders

Long-term disability benefits can provide the necessary support for those struggling with severe mental health conditions. These conditions affect a person’s thinking, feelings, and behavior. Examples of mental health disorders include:

Depression: Major depressive disorder can lead to severe mood swings, a lack of energy, and difficulty concentrating. This can make it hard to perform job duties.
Anxiety: Anxiety disorders can cause extreme fear and worry, which can interfere with daily activities and work.
Bipolar Disorder: This condition involves extreme mood swings that can affect work performance and attendance.

3. Cardiovascular Conditions

People with cardiovascular conditions may need frequent medical care and cannot always perform physical or sedentary work. Cardiovascular conditions affect the heart and blood vessels. These conditions can be life-threatening and often require long-term treatment. Some examples of cardiovascular conditions are:

Heart Disease: This includes conditions like coronary artery disease and heart failure. Symptoms like chest pain and fatigue can limit a person’s ability to work.
Stroke: A stroke can lead to long-term disabilities, such as paralysis, speech difficulties, and cognitive impairments.

4. Neurological Disorders

Neurological disorders often require extensive medical treatment and ongoing management. Neurological disorders affect the brain, spinal cord, and nerves. These conditions can have a significant impact on a person’s ability to work. Examples of neurological disorders include:

Multiple Sclerosis (MS): MS is a disease where the immune system attacks the protective covering of nerves. This leads to problems with muscle control, balance, and vision.

Epilepsy: Frequent seizures can disrupt daily life and make it unsafe to work in certain environments.

5. Cancer

Cancer is a condition where abnormal cells grow uncontrollably in the body. This disease can be very debilitating and requires extensive treatment. Cancer treatments often have side effects that can limit a person’s ability to work for extended periods of time. Examples of cancers that often lead to long-term disability include:

Breast Cancer: Treatment can involve surgery, radiation, and chemotherapy, which can be physically and emotionally draining.
Lung Cancer: This type of cancer can cause severe respiratory issues, making it hard to perform physical tasks or even breathe properly.

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