What Does Disabled Mean?

Disabilities can be a challenging reality for many individuals. When it comes to long term disability benefits, understanding the concept of “disability” is crucial. At Bartolic Law, we are dedicated to helping our clients navigate the complexities of disability law and secure the benefits they are entitled to.

Defining Disability

In simple terms, a disability is any condition that limits an individual’s ability to engage in daily activities. This can include physical impairments, mental health issues, chronic illnesses, or injuries. These conditions must be severe enough to impact an individual’s ability to work. 

Physical Disabilities

Physical disabilities encompass a range of conditions that affect an individual’s mobility or physical functioning. For instance, autoimmune diseases like Lupus or Rheumatoid Arthritis can cause chronic pain and inflammation, making it difficult for individuals to perform regular tasks. Other physical disabilities include back and spinal conditions, such as Degenerative Disc Disease or Lumbar Radiculopathy, which can limit a person’s mobility and cause constant discomfort.

Consider the case of a person suffering from a traumatic brain injury. These individuals might experience difficulties with balance, coordination, and speech, which could render them unable to fulfill their job duties, thus qualifying them for long-term disability benefits.

Mental Health Disabilities

On the other hand, mental health disabilities affect a person’s cognitive and emotional functioning. Conditions like depression and anxiety can lead to difficulties in concentration, memory, and handling stress, all of which are essential for maintaining employment. Similarly, Post-Traumatic Stress Disorder (PTSD) can lead to severe emotional distress and functional impairment, impacting an individual’s ability to work effectively.

For instance, a person diagnosed with severe depression might struggle with persistent feelings of sadness and lose interest in activities they once enjoyed, including work. In such a scenario, this individual may qualify for long term disability benefits due to their inability to perform their job functions.

The Legal Aspects of Disability

In terms of legal aspects, individuals with disabilities may be eligible for long-term disability benefits. These benefits are typically provided through private insurance policies or employer-sponsored plans. To qualify, individuals must meet certain criteria, including having a disability that prevents them from performing their job duties and meeting the definition of disability outlined in the insurance policy or plan.

However, the process of applying for and receiving long-term disability benefits can be complex. It may require extensive medical documentation, evidence of functional limitations, and demonstration of the inability to perform substantial gainful activity. In many cases, claims may be denied or disputed by insurance companies, adding another layer of complexity to the process.

The Importance of Legal Guidance

This is where legal representation becomes invaluable. Firms like Bartolic Law help individuals navigate the complex landscape of disability claims. We offer assistance in appealing denials, collecting necessary evidence, and advocating for our clients’ best interests. With our experience in disability law, we can help ensure that individuals receive the long-term disability benefits they rightfully deserve.

Contact Us For Help

The term “disabled” in the context of long term disability benefits encompasses a wide range of physical and mental health conditions that significantly impair an individual’s ability to work. Obtaining these benefits often requires legal assistance. With the right support, individuals can secure the benefits they need and deserve, ensuring their financial security while they focus on their health and well-being. Contact Bartolic Law today, and let us be your voice and advocate for your rights.