Letting the Facts Tell the Story: 6 Most Common Causes of Long-Term Disability

Physical ailments can take a toll on the body, which is why so many people have to collect long-term disability. Unfortunately, collecting long-term disability is not always easy to do, because there are so many things to prove before you present your case to Social Security. Lawyers, like Erisa disability attorneys, are available to answer questions about long-term disability and how to successfully apply for it.

Injured employee visiting lawyer for advice on insurance

There are several reasons why people can qualify for long-term disability. These six causes are the frequently blamed for missing work for an extended period of time:  

1. Back problems

When people have sore backs, they have difficulty performing work-related tasks. Often, back pain is a result of a fall or other accident. Some people have back pain from repetitive tasks and some have it from sitting too often or living a sedentary lifestyle.

2. Cancer

Cancer remains a health problem that has yet to be cured. So, it is only expected that when people are diagnosed with it, they usually do not return to work for an extended period of time. When people are diagnosed with cancer, they usually have other symptoms that prevent them from being able to work. Those symptoms can include nausea and pain.

3. Diabetes

Diabetes is another health problem on the rise, like cancer. Diabetes can also have other symptoms that make going to work difficult. Some people who have diabetes become obese and they can suffer from joint pain. In some cases, people with diabetes have to have limbs amputated.

4. Heart disease

This is one of the top killers in the United States, so it makes sense that it is a common reason for long-term disability claims. Heart disease involves more than just heart attacks. It often includes congestive heart failure, congenital heart disease, and any problems related to the heart.

5. Joint disorders

Joint disorders like arthritis or other musculoskeletal problems can keep people from working. Surgeries like knee or hip replacements involve long recovery periods. People who have smaller problems like carpal tunnel in their wrists can have serious pain that can last a long time. Some of the medicines that provide relief can make it difficult for people to go to work and be productive.

6. Brain disorders

A behavioural disorder is a disorder of the brain and these can take on very different forms. Depression and anxiety can prevent people from being productive at work. Other problems like schizophrenia or bipolar disorder can also keep people from going to work. Many times, people with neurological disorders have to take medication that can make work challenging.

Neurological disorders also take root in the brain, but they involve the spine and nerves, too. These can be debilitating diseases like strokes, ALS, Parkinson’s disease, epilepsy, and headaches. When people suffer from neurological disorders like strokes or ALS, they may never be able to return to work again. While problems like epilepsy and headaches can be sporadic and therefore, dangerous in some workplaces.