Lengthy-term disabilities can occur at any age. After they do, it’s possible you’ll be unable to work for an prolonged time frame. On this scenario, long-term incapacity insurance coverage supplied by means of your employer can assist shield your monetary safety in the course of the therapy and restoration interval. Whereas most individuals are likely to suppose a incapacity won’t ever occur to them, statistics present in any other case. It is very important pay attention to the main points surrounding your coverage and the forms of circumstances usually cited in claims.
Generally Cited Circumstances on Lengthy-Time period Incapacity Claims
Disabilities can occur as a consequence of unintentional accidents, diseases, or power well being circumstances. In response to statistics from the non-profit, client advocacy group the Council for Incapacity Consciousness (CDA), the common incapacity lasts greater than 34 months. Throughout this time, lengthy have a tendency incapacity advantages present a lifeline by way of having the ability to assist your self and your family members.
At present, roughly 600,000 folks obtain incapacity profit funds, with near 200,000 new claims being filed annually. Among the many most typical circumstances cited in these claims embrace:
- Musculoskeletal issues: These are a number one reason for long-term incapacity and embrace accidents equivalent to herniated discs and people involving gentle tissues, in addition to circumstances equivalent to arthritis, tendonitis, osteoporosis, and sciatica.
- Most cancers and tumors: The Nationwide Most cancers Institute experiences that breast most cancers, colon or rectal most cancers, melanoma, prostate, and lung cancers are among the many most typical analysis.
- Psychological well being and substance abuse issues: The CDA states that these symbolize roughly 10 % of all new lengthy incapacity claims. They embrace alcohol and drug habit, circumstances equivalent to nervousness or melancholy, and ailments equivalent to bipolar dysfunction and schizophrenia.
- Cardiovascular/circulatory circumstances: Circulatory points equivalent to atherosclerosis and hypertension improve your danger of coronary heart assaults, strokes, and different cardiovascular issues.
- Nervous system issues: These embrace circumstances equivalent to Alzheimer’s and Parkinson’s illness, a number of sclerosis, epilepsy, and different debilitating circumstances.
- Respiratory points: Power circumstances equivalent to bronchial asthma or power obstructive pulmonary illness (COPD) may end up in long-term disabilities, as can publicity to harmful inhaled substances, equivalent to asbestos and sure forms of chemical compounds or fumes.
- Diabetes and associated points: The Nationwide Institutes of Well being (NIH) warns that diabetes associated points are a standard reason for incapacity for folks within the 40 to 65 age group and might result in decreased mobility and severe issues equivalent to kidney illness and blindness.
- Blood ailments: There are a number of various kinds of blood ailments, together with anemia and leukemia, which might wreak havoc along with your well being and in your physique organs, leading to long-term disabilities.
In case you are recognized with any of the above or one other power situation or sickness, evaluation long-term incapacity advantages supplied by means of your employer.
Let Us Assist You At present
At Farrell Incapacity Regulation, we offer the trusted assist and authorized steerage you want when power diseases and disabling accidents influence you or your family members. Contact our Jacksonville lengthy term-disability legal professional and request a session in our workplace to debate advantages it’s possible you’ll be entitled to at this time.
Useful resource:
disabilitycanhappen.org/research-cda_ltd_claims_survey_2011/
Lengthy-term disabilities can occur at any age. After they do, it’s possible you’ll be unable to work for an prolonged time frame. On this scenario, long-term incapacity insurance coverage supplied by means of your employer can assist shield your monetary safety in the course of the therapy and restoration interval. Whereas most individuals are likely to suppose a incapacity won’t ever occur to them, statistics present in any other case. It is very important pay attention to the main points surrounding your coverage and the forms of circumstances usually cited in claims.
Generally Cited Circumstances on Lengthy-Time period Incapacity Claims
Disabilities can occur as a consequence of unintentional accidents, diseases, or power well being circumstances. In response to statistics from the non-profit, client advocacy group the Council for Incapacity Consciousness (CDA), the common incapacity lasts greater than 34 months. Throughout this time, lengthy have a tendency incapacity advantages present a lifeline by way of having the ability to assist your self and your family members.
At present, roughly 600,000 folks obtain incapacity profit funds, with near 200,000 new claims being filed annually. Among the many most typical circumstances cited in these claims embrace:
- Musculoskeletal issues: These are a number one reason for long-term incapacity and embrace accidents equivalent to herniated discs and people involving gentle tissues, in addition to circumstances equivalent to arthritis, tendonitis, osteoporosis, and sciatica.
- Most cancers and tumors: The Nationwide Most cancers Institute experiences that breast most cancers, colon or rectal most cancers, melanoma, prostate, and lung cancers are among the many most typical analysis.
- Psychological well being and substance abuse issues: The CDA states that these symbolize roughly 10 % of all new lengthy incapacity claims. They embrace alcohol and drug habit, circumstances equivalent to nervousness or melancholy, and ailments equivalent to bipolar dysfunction and schizophrenia.
- Cardiovascular/circulatory circumstances: Circulatory points equivalent to atherosclerosis and hypertension improve your danger of coronary heart assaults, strokes, and different cardiovascular issues.
- Nervous system issues: These embrace circumstances equivalent to Alzheimer’s and Parkinson’s illness, a number of sclerosis, epilepsy, and different debilitating circumstances.
- Respiratory points: Power circumstances equivalent to bronchial asthma or power obstructive pulmonary illness (COPD) may end up in long-term disabilities, as can publicity to harmful inhaled substances, equivalent to asbestos and sure forms of chemical compounds or fumes.
- Diabetes and associated points: The Nationwide Institutes of Well being (NIH) warns that diabetes associated points are a standard reason for incapacity for folks within the 40 to 65 age group and might result in decreased mobility and severe issues equivalent to kidney illness and blindness.
- Blood ailments: There are a number of various kinds of blood ailments, together with anemia and leukemia, which might wreak havoc along with your well being and in your physique organs, leading to long-term disabilities.
In case you are recognized with any of the above or one other power situation or sickness, evaluation long-term incapacity advantages supplied by means of your employer.
Let Us Assist You At present
At Farrell Incapacity Regulation, we offer the trusted assist and authorized steerage you want when power diseases and disabling accidents influence you or your family members. Contact our Jacksonville lengthy term-disability legal professional and request a session in our workplace to debate advantages it’s possible you’ll be entitled to at this time.
Useful resource:
disabilitycanhappen.org/research-cda_ltd_claims_survey_2011/
