Types of Long-Term Disability Claims

Disability Claims: Based on recent studies, a quarter of the adult population will have some type of disability before they reach age 65. Unfortunately, about 50% of these people haven’t saved enough money to survive even a single month without their regular paycheck.

That’s why Toronto Personal Injury Lawyers advise people to take out long-term disability insurance that will cover at least part of their lost wages if they have one of these common disabilities or another disability.

Musculoskeletal/soft tissue disorders

Almost one-third of all long-term disability claims are related to musculoskeletal or soft tissue disorders. Back, neck, joint and tendon injuries are common causes of disabilities, especially since many jobs cannot be managed without the use of these body systems. Actual musculoskeletal and soft tissue diagnoses that lead to long-term disability claims include arthritis, osteoporosis, rheumatism, degenerated discs and general back pain.

Diseases of the nervous system

While most nervous system disorders can or can be treated with medication and therapy, they are also usually degenerative, meaning they will get worse over time. This also means that at a certain point they may become unresponsive to therapy and medication, making full and part-time work difficult. Some of the nervous system disorders that lead to long-term disability claims are multiple sclerosis (MS), Alzheimer’s disease, epilepsy, Parkinson’s disease and herpes zoster.

cardiovascular/circulatory diseases

Cardiovascular and circulatory diseases can appear out of the blue, and when a person survives a cardiovascular event, the resulting surgeries and therapies can impair their ability to work for a significant period of time, if not forever. Heart attacks, strokes, heart valve problems, congestive heart failure, arrhythmias, and other cardiovascular diagnoses can take a long time to recover, especially when open-heart surgery is required.

cancer and tumors

More than a third of all people are expected to develop some form of cancer during their lifetime, and even those who lead extremely healthy lifestyles can be affected.

Chemotherapy and radiation treatments for many forms of cancer are harsh and can leave you unable to perform your job responsibilities.

It is often better for those affected to take a break from work during cancer or tumor treatment. Unfortunately, without long-term disability insurance, this can be difficult, especially if they rely on employer-provided health care.

Mental illness

Mental health hasn’t always been treated like physical health when it comes to taking a break from work to seek treatment. Fortunately, many mental illnesses, including depression and anxiety, must be treated like any other illness for insurance and disability reasons. Mental illness can prevent people from fully participating in work, and doctors often recommend not working during treatment, especially if inpatient treatment is required.


These five conditions account for most long-term disability claims, but having another type of medical condition doesn’t mean you’re not eligible for long-term disability compensation. Contact an experienced personal injury attorney to review your rights and file a claim if necessary.


Why are disability claims denied?

SSDI is the benefits program for employees who have paid into social security for many years. One of the main reasons you could be denied benefits is that you are working over the limit of what is considered a ‘substantial gain activity’.

Are most disability requests rejected the first time?

The Social Security Administration (SSA) does not reject every applicant. However, it initially rejects almost two-thirds of all social security disability claims.

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