What Conditions Cause Long Term Disability? Ask An Experienced Columbus Disability Attorney
Scarily enough, the odds that you will become disabled before you retire are one in three. Some disabilities are obvious ones – such as a broken spine due to a workplace accident, or hearing and vision loss before the age of 50 – but others are less obvious, and much more common.
According the Social Security Administration, a disability is defined as a mental or physical condition that hinders a person’s ability to engage in any substantial gainful activities (SGA). This condition can be expected to result in death, or is one that has lasted or can be expected to last for a continuous period of not less than 12 months. Under that definition, conditions such as diabetes, arthritis, and ongoing heart conditions are often eligible for long-term disability benefits.
Our long-term disability benefits attorney at the Law Office of Mike Gertner are well versed in the SSA’s rules and regulations surrounding long-term disability benefits. We routinely assist clients in filing and fighting for the benefits they need to live a comfortable and secure lifestyle without having to work and aggravate their condition. If an individual comes to us with an ailment and complaints of being unable to work, we do everything in our power to see that they are awarded long-term disability benefits.
Common Conditions that Qualify for Long-Term Disability
Whether you want to file for long-term disability benefits with your insurance provider or with the Social Security Administration, common causes of long-term disability are generally the same as those listed in the SSA’s disability manual. Some of the most common but least recognized are the following:
- Arthritis and Back Pain: Arthritis, back pain, and other musculoskeletal conditions are one of the leading causes of long-term disability in aging adults. In fact, they make up one-third of all disability claims cases. These conditions not only stem from long-term work at a computer or desk but also, they are further aggravated by such working conditions.
- Heart Disease and Stroke: Heart disease accounts for 17 percent of all health care costs in the United States. While heart disease and stroke do not necessarily hinder one’s ability to work, they are conditions that are aggravated by stress, and that can result in permanent physical disabilities or even death. Because of this, it is one of a recognized condition in the long-term disability manual.
- Cancer: Again, cancer is another condition that does not necessarily hinder one’s ability to work; however, with radiation treatments, chemotherapy, surgery, and other cancer treatments, one may find it difficult to make it into work most days, and if they do make it into work, they may be in continuous discomfort.
- Mental Health Conditions: Mental health problems are the number one reason that people file for Social Security disability benefits. While many people think of a disability as a physical condition, mental health conditions such as depression, bipolar disorder, agoraphobia, and other lesser known conditions can be just as disabling as any physical ailment. For instance, agoraphobia is a condition that induces intense fear and anxiety when out in public. This anxiety can result in full on mental breakdowns and physical illness.
- Diabetes: Diabetes is linked to a number of other serious health conditions, such as heart disease and stroke, and can be very difficult to manage. Because of its difficulty, it is a fast rising disability in the SSA’s manual.
- Nervous System Disorders: Nervous system disorders such as Parkinson’s, Alzheimer’s, Epilepsy, and Multiple Sclerosis are all conditions that affect the brain and make it next to impossible for an individual to be productive.
- Pregnancy: While many people would not think that pregnancy is a disabling condition, because most women do not get paid maternity leave in the U.S., it is. The Family and Medical Leave Act offers up to 12 weeks of benefits for women who get unpaid leave. Unfortunately, it is unavailable to a wide number of women, including those who are self-employed, those who work for small businesses, and those who have not worked with a single employer long enough to be eligible.
While many people assume that accidents are the number one cause of disability, they actually account for less than 10 percent of all disability cases.
Most insurance companies and the SSA do not require a disability to meet the exact definition as listed on their manuals; however, it is still very difficult for an individual to have their claim approved. In fact, the approval rate with the SSA is below 50 percent, at just 35 percent. Because of this, whether an individual files a claim with their insurance company or with the SSA, they would benefit greatly from working with a long-term disability benefits attorney.
Consult an Ohio Long-Term Disability Attorney with 40+ Years of Experience
At the Law Office of Mike Gertner, our long-term disability lawyers dedicate themselves to helping disabled individuals receive the compensation they need to pay their medical expenses, keep up with their finances, and fund a comfortable lifestyle. If you suffer from a long-term disability, contact our Columbus law firm.