The Conditions Covered by Long-Term Disability Insurance

A long-term disability could affect your ability to function effectively, not just in the workplace but in other areas of life as well. You may end up being unable to carry out even the most basic everyday activities.

Long-term disability benefits are available to counter these issues. These benefits are for individuals with certain conditions that rob their ability to work and earn a living.

To get these benefits, you may have to consult a long-term disability lawyer. They can provide the assistance required in dealing with the challenges involved.

In this article, we will explain the conditions covered by long-term disability insurance so that anyone with a long-term disability can understand how to seek compensation for their losses.

Conditions Covered by Long-Term Disability Insurance

Living with a disability is already a difficult life. But with some benefits, it could help sort out some medical bills.

Aside from medications, taking care of your family and children requires money too. Additionally, a person with a long-term disability may sometimes need a caregiver. Of course, their services are not free and must be paid.

The type of care they need also depends on the type of disability they’re battling with. Unfortunately, not everyone with a long-term disability gets to enjoy these benefits.

Here are the conditions that qualify for long-term disability insurance.

Losing a Limb

A person can barely function properly without a limb. Thus, if you lose a limb in a work-related accident, you will have to be excused from work.

This is particularly applicable if you are involved in a job that requires lots of physical labor, like construction. The injury will impair you physically and reduce your chances of being able to work again.

If you are in this category, you’re eligible for long-term disability benefits.

The Recovery Phase After a Surgery

After any major surgery, you may need a long time to recover and rest. During this period, you will be asked to avoid work or strenuous activities.

For example, if you’ve just had a total knee replacement, you will need close to a year to rest. Also, if you’ve had lung surgery, you will need an even longer time to heal and be declared fit.

Seeing that you can’t work because of medical leave, you can apply for long-term disability insurance. This benefit could be a token that keeps you from being flat broke while recuperating.

A Condition that Renders You Immobile 

If you’ve suffered an injury that affects your ability to move around, it’ll be impossible to work.

An example would be a spine or back injury that prevents you from sitting for long periods. Most often, working effectively requires that you move around or sit for long periods to get things done.

Unfortunately, if you experienced a stroke or something similar that left you paralyzed, you will have to be excused. In this instance, you’ll also qualify for long-term disability benefits.

A Mental Health Condition

To be productive at work, one needs to be in top mental and physical health. Unfortunately, if you are declared mentally unstable due to an injury, you will be unable to perform job-related duties.

You may need a break to deal with whatever is bothering you. This period will help you recover and get back to normal. Afterwards, you will be tested and checked to ensure you’re ready to perform job-related duties.

You’re likely to receive long-term insurance benefits during your absence. Check with a long-term disability lawyer to check your eligibility.

End Note

You just read about the types of conditions that are acceptable for long-term disability claims. This information is vital to determining whether you are eligible to apply for long-term disability benefits.

It helps to get in touch with an experienced disability lawyer. With a legal professional by your side, you have a better chance of a successful claim.