People living with disabilities face different challenges that qualify them for social insurance from the government. However, not all health conditions are likely to qualify for long-term disability. The symptoms in nearly all long-term disability conditions are the level of impact on the individuals’ body and mental health. Ideally, a state is only grouped as a long-term disability if it can last beyond 12 months and reduce the lifespan of the affected.
Any condition that is unlikely to heal and that affected is expected to live with is regarded as long-term disability. A disability can either be mental or physical. Any disability that shortens your life and makes you more vulnerable to other infections is best considered a long-term disability and is liable for social security.
If you are not sure about conditions that qualify for long term disability, this article will give you the answers you seek.
Not all conditions qualify as long-term disability
Social Security, insurance companies, and most of the government institutions consider all forms of prolonged illness and injuries as a disability. These institutions have come with programs and policies that group injuries and ailments as either short term or long-term injuries.
Some government programs are only available to individuals who can prove that, indeed, they have a long-term disability that limits them from living normally. A typical example is the Social Security Disability Insurance (SSDI) that the government offers for adults and children with disabilities.
If you are looking forward to accessing the different programs the government offers for people with disabilities, then you must prove that you have a chronic health condition or an injury that falls under long-term disability.
Here are some physical and medical conditions that qualify as a long-term disability:
- Sense and speech issues- for example, those with hearing complications and vision problems
- Neurological complications – these are individuals with epilepsy, MS, Parkinson’s disease, or cerebral palsy
- Back injuries and other musculoskeletal problems
- Respiratory complications like asthma and other breathing problems
- Lifetime immunity problems like rheumatoid arthritis, HIV/AIDS, and lupus
- Skin problems such as dermatitis
The list of diseases or disorders that you can group as being a long-term disability is inexhaustible. Notably, what insurance companies and other government institutions will use to determine whether a condition is a disability is the degree of effect on individuals’ life and health. Any complication that reduces the lifespan of a person may count as a disability. In a nutshell, diseases that are medically proven to cause long-term disabilities are those that are not curable.
If you intend to get help from your insurance provider or government programs such as SSDI, the first step is to visit your doctor. Book an appointment with the doctor for diagnosis and disability approval. After this, you can reach out to a lawyer to help with the next step. Always ensure your medical condition meets the criteria for disability grading and approval before you can seek compensation from your insurer or concerned authorities.