here are many injuries and diseases that are severe enough to make someone physically and mentally disabled. The mental or physical condition leaves the individual unable to work or perform day to day activities for at least a year. Moreover, the condition will be unlikely to go away. In most cases, the disabling condition shortens the individual’s life. The insurance service providers have the tendency to evaluate an injury or illness without appreciating the full consequence of that injury or illness has on the individual’s life. For example, does sleep deprivation leave you extremely fatigued during the day? Do your medical records express the fact that you are frequently in pain?    

Every injury and disease has a range of symptoms, including negative side effects to medications, cognitive mental deficits, fatigue, and extreme pain. 

If you have long term disability or medical conditions, you may qualify for long term disability benefits. 

What are the conditions that qualify for long term disability?

Government-led disability programs like Social Security and Workers’ Compensation and other insurance companies recognize almost all the same injuries and diseases as disabling. However, some programs and policies only cover nothing but long term disabilities, while others cover short term disabilities. 

The following is a list of disabling conditions that can be considered severe enough by insurance providers to qualify an individual for long term disability, short term disability, or individual disability insurance benefits. 

These conditions can greatly hinder your ability to maintain and obtain employment, hence making you eligible for long term disability insurance benefits. 

Musculoskeletal System 

  • Undifferentiated Connective Tissue Disease 
  • Tendinitis
  • Spine Disorders
  • Spinal Arachnoiditis
  • Spina Bifida
  • Soft Tissue Injury (Burns)
  • Scoliosis
  • Sciatica
  • Ruptured Disc
  • Rheumatoid Arthritis
  • Rheumatism
  • Reflex Sympathetic Disorder
  • Osteoporosis
  • Osteoarthritis
  • Muscular Dystrophy
  • Mixed Connective Tissue Disease
  • Lumbar Stenosis
  • Inflammatory Arthritis
  • Herniated Disc
  • Fracture of an Upper Extremity
  • Fracture of the Femur, Tibia, or Pelvis
  • Fibromyositis
  • Fibromyalgia
  • Dislocations
  • Degenerative Joint Disease, or other joint disorders
  • Degenerative Disc Disease
  • Chiari Malformation
  • Cervical Stenosis
  • ​Carpal Tunnel Syndrome
  • Back Pain
  • Arthritis
  • Anterior Poliomyelitis
  • Amputation

Nervous System

  • Traumatic Brain Injury
  • Syringomyelia
  • Stroke (Cerebrovascular Accident)
  • Seizure Disorder
  • Parkinson’s Disease
  • Paralysis
  • Myasthenia Gravis
  • Multiple Sclerosis (MS)
  • Neuropathy
  • MeralgiaParesthetica
  • Guillain-Barre Syndrome
  • Epilepsy
  • Empty Sella Syndrome
  • Dystonia
  • Cerebral Palsy
  • Bell’s Palsy
  • Amyotrophic Lateral Sclerosis (ALS)
  • Alzheimer’s Disease

Immune System Disorders 

  • Scleroderma 
  • Polymyositis 
  • Poisoning 
  • Lupus 
  • Immune Deficiency Disorders 
  • Chemical Sensitivity 
  • Severe Allergic Reactions 

Mental Disorders 

  • Schizophrenia
  • Post Traumatic Stress Disorder
  • Panic Attacks
  • Organic Mental Disorders
  • Obsessive-Compulsive Disorder
  • Mood Disorder
  • Drug Addiction
  • Depression
  • Bipolar Disorder
  • Autism
  • Anxiety Disorder
  • Attention Deficit Hyperactivity Disorder
  • Agoraphobia 

Cancer and Malignant Neoplastic Illnesses 

  • Tumors
  • Myelofibrosis
  • Mesothelioma
  • Macroglobulinemia
  • Lymphoma
  • Hodgkin’s Disease
  • Chronic Myelogenous Leukemia
  • Chronic Lymphocytic Leukemia
  • Cancer, including Breast Cancer and Prostate Cancer
  • Acute Leukemia

Other functional disabilities that may be considered as long term disability include 

  • Speech and communication 
  • Learning and memory 
  • Information processing 
  • Flexibility 
  • Stamina 
  • Hearing 
  • Sight 

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