Surely not all but a wider range of physical, psychological, and medical conditions qualifies for long-term disability benefits. If you have any of these health-related issues, you are entitled to apply for disability coverage under your insurance policy. Followings are medical conditions that qualify for long term disability benefits:
- Ataxia
- Asthma
- Anxiety
- Brain Injury
- Bipolar Disorder
- Back Pain Disorder
- Crohn’s Disease
- Covid-19 Coronavirus
- Chronic Obstructive Pulmonary Disease (COPD)
- Chronic Pain
- Chronic Fatigue Syndrome
- Cerebral Atrophy
- Carpal Tunnel Syndrome
- Cancer
- Diabetes
- Eye Disorders
- Epstein-Barr Virus
- Epilepsy
- Fibromyalgia
- HIV/AIDS
- Herniated Disc(s)
- Hepatitis
- Heart Disease
- Hearing Impairment
- Headache/Migraines
- Insomnia
- Irritable Bowel Syndrome
- Knee Disorders
- Kidney Disease
- Lyme Disease
- Lupus
- Lung Disease/Cancer
- Leukemia
- Multiple Sclerosis
- Meniere’s Disease
- Macular Degeneration
- Non-Epileptic Seizures
- Neck/Cervical Disorders
- Osteoarthritis
- Obesity
- Psychosis
- Post-Traumatic Stress Disorders
- Peripheral Neuropathy
- Parkinson’s Disease
- RSD/Complex Regional Pain Syndrome
- Rheumatoid Arthritis
- Syncope
- Stroke
- Spinal Stenosis
- Speech Disorders
- Sleep Disorders
- Sjogren’s Syndrome
- Shoulder Disorders
- Trigeminal Neuralgia
- Tourette Syndrome
- Vestibular Dysfunction
Even if your medical condition does not appear in the above list, you might be entitled to receive short-term or long-term benefits. Many other conditions not listed above as well as a combo of different medical conditions also qualify for such benefits.
Importance of Proper Medical Diagnosis
The key player to ensure fruitful claims for long-term disability benefits is to submit well-documented medical evidence in support of your medical condition. You must get a proper diagnosis from a qualified medical expert to get access to the fair and full disability benefits covered under your insurance policy.
Your insurer will always look for ‘loopholes’ in your claim. Even if your claim contains small errors or missing documentation, the insurance company will exploit all these mistakes. Even relatively minor issues can lead to delays or outright denials. If your medical diagnosis reports and records don’t sufficiently establish how extensive the effects of your medical condition or disability could be, it is less likely to receive full benefits easily.
Medical Conditions Must Be Intimately Linked to Physical or Psychological Impairments
There are too many conditions to qualify for long-term disability benefits to prepare a list. Unfortunately, people with qualifying conditions go through hardships to get their claim for long-term benefits approved.
One of the commonest issues encountered by many applicants during their disability claims procedure is the insurers don’t acknowledge the connection between the actual physical/psychological impairments dissuading the claimants from resuming full-time work and underlying medical conditions that qualify for disability benefits, at least in the abstract.
What You Should Know about Limited Pay Period or Coverage
Many disability policies have limited pay periods spanning not more than a couple of years. These policies apply to mental and nervous conditions, certain diagnoses such as fibromyalgia or subjective conditions like migraines. It’s important for you to understand the limitations of your disability benefits coverage before applying for claims.
