The overwhelming majority of long term disability claims are the result of illnesses, not injuries.
These fall into the broad category of musculoskeletal or connective tissue diseases. Most common examples include arthritis, herniated or degenerative discs, spine and joint disorders, tendonitis, fibromyitis, osteoporosis, rheumatism, scoliosis and sciatica. These kinds of illnesses lead to 28.5% of all claims, according to the Long Term Disability Claims Review Council for Disability.
The next largest number of claims are cancer at 14.6%, followed by injuries and poisoning (10.6%), mental disorders (8.9%) and cardiovascular diseases, at 9.1%. Many of these conditions occur over time, permitting some level of planning or contemplation as to the best time to consider disability.
No one expects to become disabled, and we know for a fact that people who become disabled would very gladly return to work. Our office receives the phone calls from men and women every single day who are battling two impossible tasks: dealing with an illness that has taken their regular lives and turned them upside-down, and trying to navigate their way through a complex and confusing world of insurance claims that seem to be deliberately designed to make their challenging situation worse.
If you are struggling with a musculoskeletal or connective tissue diagnosis, we know from experience that chances are good you did not expect to become disabled. Many of our clients tell us that they thought that after having surgery or maintaining a strict physical therapy treatment regimen, they would overcome their disability. Unfortunately, there are many spine and joint illnesses that do not respond to physical therapy and not all surgeries are successful. Many of these people remain unable to return to work, and need to rely upon their disability insurance for survival.
While we do try to be optimistic, we also recommend that individuals who are struggling with these disabilities take the time to research their options. When is the right time to file for a disability claim? When do you need to speak with an attorney to prepare for a claim? Or, if you have already filed a claim, when do you decide to bring in an experienced disability insurance lawyer to protect you from the investigation portion of a long term disability claim?
If you have questions about your claim, regardless of the stage, you are invited to call our office at 877-LTD-CLAIM, or 877 -583-2524, to find out how we can help.