What Medical Conditions Qualify for Long Term Disability?

Feb 13, 2018
what conditions automatically qualify you for disability

The question “What medical conditions qualify for long term disability?” has a general answer and a specific answer depending on which program or plan a person asks to recognize the condition as disabling. Speaking with an experienced and knowledgeable long-term disability attorney in Columbus, Ohio, before applying for disability benefits will help clarify whether the condition you or a family member suffers from is likely to meet the social security disability criteria established by a specific government program, retirement plan, or insurance policy.

What Qualifies a Person to be Disabled and get Long Term Disability

People whose physical, mental, or emotional health makes them unable to work are considered disabled. A long-term disability is generally understood to be a condition that lasts more than 12 months or which is likely to result in death within a year or two.

Some disabilities do not automatically preclude working altogether, such as blindness, deafness, missing limbs, chronic diseases, or partial paralysis. But a condition that would be merely limiting for one person can qualify as a long term disability for another when the condition makes it impossible for the second person to do the jobs for which he or she has the appropriate education, skills, and experience. For instance, losing a leg would not necessarily stop a person from working as a teacher, but it would make a career in roofing no longer viable.

All government programs take the nature of a claimed disability into account along with a consideration of what work a person is capable of doing, has done in the past, and could do in the future.

Examples of Conditions That Can Qualify a Person for Long Term Disability Benefits

The Social Security Disability Insurance (SSDI) program maintains the most extensive list of medical conditions that can qualify as long-term disabilities. It categorizes the conditions by the affected system, such as cognitive or musculoskeletal, and it includes all the following problems:

What illness qualifies for long term disability:

  • Anxiety disorders
  • Asthma/COPD
  • Back injuries
  • Bipolar disorder
  • Brain injuries
  • Cancer
  • Cerebral palsy
  • Chronic pain
  • Depression
  • Epilepsy
  • Heart Disease
  • Herniated discs
  • Inner-ear/Balance disorders
  • Knee disorders
  • Leukemia
  • Lung disease
  • Lupus
  • Morbid obesity
  • Multiple sclerosis
  • Neck injuries
  • Neuropathy
  • Osteoarthritis
  • Parkinson’s disease
  • Post-traumatic stress disorder
  • Psychosis
  • Rheumatoid arthritis
  • Seizure disorders
  • Shoulder injuries
  • Speech disorders
  • Spine injuries
  • Stroke

This list of illness qualifies for long term disability is far from complete. Anyone with doubts about what conditions automatically qualify you for social security disability insurance, should speak with a Columbus disability attorney.

Do Retirement Plans and Insurance Companies Use the SSDI List of Long Term Disabilities?

No. Each program and plan that offers long-term disability benefits uses its own list of qualifying conditions and applies its own criteria for determining whether a person applying for social security disability benefits does suffer from a disability.

The one consistent practice across Social Security Disability Insurance, a plan like that operated by the Ohio Public Employees Retirement System, or a private insurer like Aetna is requiring medical evidence of the claimed disability. Many programs and plans also require applicants to undergo assessments by health professionals that the program or plan chooses.

Preparing a long term disability benefits application with assistance from a Columbus long-term disability attorney will help a person or family gather, organize and submit all necessary medical documentation.

Do you need help to qualify for long term disability benefits or short term disability benefits? Call Agee Clymer Mitchell & Portman at (614) 678-3318 to schedule a consultation with a short or long-term disability attorney in Columbus, Ohio. We also take requests for appointments online through contact form. The first meeting will cost you nothing.

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Worker’s Comp Lawyers Columbus, Ohio - Agee Clymer

140 E. Town St. #1100
Columbus, OH 43215