Scarily enough, the odds that you will become disabled before you retire are one in three. Some disabilities are obvious, such as a spine injury due to a workplace accident, or hearing and vision loss before age 50. But there are also many causes of disability that are less obvious and much more common.
Our long-term disability benefits attorney at Bartolic Law is well-versed in the rules and regulations surrounding long-term disability benefits. We routinely assist clients in filing and fighting for the benefits they need, whether their condition is a common one or something rare that requires specific documentation from medical specialists. Here we take a look at some lesser-known but surprisingly common causes of long-term disability claims.
A common definition of disability is a mental or physical condition that hinders a person’s ability to engage in any substantial gainful activities (SGA). This condition can be expected to result in death, or has lasted or can be expected to last for a continuous period of at least 12 months. This means many chronic conditions are often eligible for long-term disability benefits. However, the exact definition varies from plan to plan, so it is important to review your plan carefully.
Some of the most common but least recognized causes of disability include:
While many people assume that accidents are the number one cause of disability, they actually account for less than 10 percent of all disability cases.
Most insurance companies do not require a disability to meet the exact definition as listed in their manuals; however, it can still be very difficult for an individual to have their claim approved. In fact, many valid first-time claims are denied. Because of this, many claimants benefit greatly from working with a long-term disability benefits attorney.
At Bartolic Law, our long-term disability lawyers dedicate themselves to helping disabled individuals receive the compensation they need to pay their medical expenses, keep up with their finances, and fund a comfortable lifestyle. If you suffer from a long-term disability, contact our Chicago law firm to consult with a lawyer today.