If you are unable to work, it can be financially stressful for you and your loved ones. Many employers offer long-term disability (LTD) insurance to employees, or you might have your own private LTD insurance. If your disability prevents you from working, it is recommended to have this insurance.
There are numerous conditions that can qualify for long-term disability coverage. Typically, a disability is associated with an accident or a workplace injury. However, most long-term physical disabilities are associated with illnesses like cancer, diabetes, heart disease, arthritis, back pain, and obesity. Other conditions causing long-term disability can be fibromyalgia, other chronic pain conditions, lung disease, multiple sclerosis, lupus, autoimmune disorders, neurological disorders, hearing loss and deafness, and vision loss and blindness. A second leading cause of long-term disability claims can be related to mental disorders, such as depression, anxiety, and panic disorders.
The number of American workers claiming long-term disability is continuing to increase. It is estimated that an illness or accident can keep 1 in 5 workers out of work for at least a year before the age of 65. Even though long-term disabilities are mostly associated with illnesses as stated above, there are many long-term disabilities, such as head injuries, that are associated with traffic accidents, falls, sports and assaults. Additionally, auto accidents and those accidents in industrial environments can also result in severe limb injury and subsequent long-term disability. However, studies have shown accidents involving a motorcyclist have a greater risk for long-term disability than the average driver involved in an automobile accident.
Also, whiplash is another injury that can cause some long-term disability. It is the name for neck sprains received by an individual to the cervical, thoracic or lumbar spines, and is associated with vehicle accidents when the vehicle has been hit from the rear. These whiplash injuries can often cause pain to the victim for up to one year or longer.
There are numerous other injury-related impairments that can result in long-term disability. They include physical and/or cognitive limitations due to neuro-trauma, psychological trauma, paralysis due to spinal cord trauma, partial or complete amputation of limbs, sensory disability such as blindness and deafness, and physical limb deformation resulting in mobility impairments.
A long-term disability can be severe and can have a major effect on a person – physically, emotionally, and economically. For example, auto accidents can cause a wide range of injuries, each with their own degree of severity. Such injuries such as traumatic brain injury, amputations, and spinal cord injuries can cause long-term disability and inability to work. If an auto or motorcycle accident results in you having to file a claim against another party, it is best to seek legal advice.
It makes sense to have some form of long-term disability in place if you ever need it. If you have an injury that you consider to be a long-term disability, it is best to seek legal advice or contact a disability attorney that can process paperwork for you and advocate for your case.