Types of Disabilities

Any sort of medical condition can disable a worker, but some of  the most common disabling conditions include:

• Musculoskeletal Disorders: These include conditions affecting muscles, bones, tendons, and ligaments. Back pain, herniated discs, and repetitive strain injuries fall into this category.

• Mental Health Conditions: Anxiety disorders, depression, and other mental health challenges contribute significantly to disability claims.

• Cardiovascular Diseases: Heart conditions, hypertension, and related illnesses can lead to long-term disability.

• Cancer: Cancer treatments often require extended time off work.

• Neurological Disorders: Conditions like multiple sclerosis, epilepsy, and Parkinson’s disease may result in disability claims.

• Autoimmune Disorders: Rheumatoid arthritis, lupus, and other autoimmune conditions can impact daily functioning.

Of course, any condition can be disabling if it's sufficiently severe, whether the result of an illness or an accident. And insurance companies and plan administrators frequently need to be convinced of a condition's severity before they will part with their funds to cut a benefit check, regardless of what their policy or plan document might say. So, regardless of the condition that disables you, reach out to us if your insurer or plan administrator needs a little "convincing"!