More than 12% of the population in Alberta is disabled. Note that it includes both physically and mentally challenged demography.
Anyway, one can have a long-term disability or a short-term disability—the period of the disability matters in terms of insurance policy and legal actions.
Here, you will know what long-term disability is and why one can get a long-lasting disability. Along with those details, you will see the benefits one would get from being disabled.
From the whole discussion, you will know about the diseases eligible for filing a long-term disability insurance claim.
What is a long-term disability?
The idea is pretty simple when you can’t work for a long time due to some form of illness or injury is called long-term disability.
Not to mention, a handicapped, injured person has a tough life. Hence, they need some external benefits and financial assistance from an organization.
So, let’s see what long-term disability insurance is.
What is long-term disability insurance?
I have nothing much to say about it either. Just know that this particular insurance policy applies to people who are unable to earn.
The reason for that could be some kind of lifelong illness and the impacts of an injury. There is a special insurance policy to help people with long-term disabilities financially.
Reasons for long-term disability
Basically, there are 6 reasons for long-term disability. And these categories are eligible for long-term disability claims.
Musculoskeletal disorders
This is the leading cause of long-term disability. Moreover, arthritis comes first among all musculoskeletal pain.
Let’s know about some of the most common musculoskeletal disorders.
- Arthritis
- Back pain
- Spine disorders
- Joint disorders
- Fibromyositis
Back pain issues
One can go through a lethal accident at work, or it might not happen at work. You can be a victim of reckless driving too.
All of these can result in agonizing back pain problems. People involved in heavy labor will find it painfully difficult to work.
Some people get permanent back pain due to some severe accidents. And, some people develop it gradually. At a point, they can’t work freely with the chronic back pain.
Cardiovascular problems
A vast number of populations go through the horror of heart disease. This medical condition includes- heart attacks, congenital heart problems, coronary heart problems, and heart failures.
Apparently, people with any heart condition can’t lead a completely normal or smooth life. The results can be fatal too. Mainly, disability is of the stages of severe heart conditions.
Terminal diseases
There are different kinds of terminal diseases. Let’s see what those are. Chiefly, 6 common types of diseases lead to death.
- Advanced stage of cancer
- Advanced heart disease
- Motor neuron disease
- Neurological disorders, such as – Parkinson’s
- Lung disease
- Dementia
- Alzheimer’s
You see, cancer is at the top of the list. Because like arthritis, cancer is the most prevalent. In addition, there is various type of cancers.
Some cancers cause disability because that’s the nature of the disease. Disability due to cancer includes- external and internal aches, unbearable discomfort, and extreme deformity.
Metabolic disorders
A health condition that gives rise to high blood sugar levels is called a metabolic disorder. In general, we know this kind of problem as diabetes. But, there are types of metabolic disorders.
Check the list below.
- Diabetes
- Liver cirrhosis
- Liver cancer
Since diabetes is the most common one, let’s talk about that a little. There are two kinds of diabetes- type 1 and type 2. Both types bring on a series of health issues that make life super troublesome.
On a side note, Type 1 diabetes is incurable. Interestingly, people think that type 1 diabetes happens for obesity.
But it’s not that. The main reason is insulin production. However, type 2 diabetes is related to obesity. That can induce acute joint pains.
Mood disorders
This problem is also prevalent these days. And, it means the state of the mind when you persistently feel sad and keep on losing interest in different aspects of life.
Sounds familiar? Yes, it’s about depression. Professionals don’t know the actual reason for this puzzling health condition.
However, it has been found that it happens to some chemical imbalances. And, Experts are still working on this health problem.
Concluding remarks
These are categories of diseases that will be qualified as long-term disabilities. If you want to have the benefits of long-term disability, you have to qualify for the condition.
You will have to prepare for a long-term disability insurance plan and have a health condition included in an insurance policy.
Then bring a claim for long-term disability along with the insurance. Know that insurers will act in their best interest.
That’s why they will try hard to dismiss the claim of your long-term disability. If your disability insurance claim is rejected, take help from a good lawyer.
