Top 4 Conditions that Qualify for Long Term Disability Benefits in the United States
Most Americans are familiar with their health insurance coverage through a monthly premium and deductibles, but fewer people know about the benefits associated with having long-term disability coverage. We’ve compiled a list of some of the most common conditions that qualify for long-term disability benefits in the United States — and what you can do to apply for them.
Long term disability benefits plan is designed to provide income replacement if an individual is unable to work due to injury or illness. In order for your condition to qualify, it must be one that prevents you from working for six months or more. If your condition is expected to last longer than 12 months, you may also be eligible for Social Security Disability Insurance (SSDI). However, sometimes you will be denied these benefits the first time you apply for them. In that case, you better see legal assistance from an experienced law firm like The Law Office of Nancy L. Cavey.
Here are the top 4 disorders that qualify for long-term disability benefits in the United States.
Anxiety is considered to be an incurable condition, so it qualifies for long-term disability benefits. If you suffer from anxiety on a near-daily basis, but your symptoms are not severe enough to prevent you from working in a non-mental capacity, then you may qualify.
Long-term disability is not just for injured workers. Asthma is considered a condition similar to chronic pain, in that it can prevent someone from working regularly. Some people with asthma are unable to work at all. It is also important to note that asthma will continue to affect your health throughout your lifetime, so you could qualify for long-term disability coverage at any point in the future.
- Bipolar disorder
Many people with bipolar disorder experience a form of depression, which can present as an inability to work. However, bipolar disorder affects too many aspects of your life for it to be considered incurable. If you do not have symptoms that prevent you from working, then you can apply for long-term disability coverage.
Cancer can spread to any part of your body, which means that cancer can prevent you from working in practically any capacity. However, your symptoms must be severe enough to prevent you from working for at least six months. This includes chemotherapy and radiation treatment for cancer patients.