What are reasons for long-term disability?

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Disabilities can strike at any time. Not to mention it is tough to live with unimaginable sufferings of a long-term disability. What is more, you won’t be able to earn if this happens. As a result, insurance is available to assist people in meeting their financial obligations.

Let’s know some of the leading reasons for long-term disability.

6 Common reasons for long-term disability

Before you get the money from insurance, a number of factors will be considered. One of them is, “What type of disease is this?” Knowing the prevalent causes of long-term disability may help you claim the compensation or legal aid you deserve in Canada.

  1. Musculoskeletal disorders

This is the most common reason for long-term disability. Furthermore, arthritis is one of the frequently diagnosed bone-related health issues. Let’s take a look at a few of the common musculoskeletal conditions.

  • Arthritis
  • Fibromyositis
  • Back pain
  • Spine disorders
  • Joint disorders
  1. Terminal diseases

There are various types of terminal illnesses. And you will find six kinds of terminal diseases that cause death most frequently. Take a look at the list below and know what they are.

  • Cancer at an advanced stage
  • Heart disease in its advanced stages
  • Parkinson’s disease
  • Neurological conditions such as Parkinson’s disease
  • Alzheimer’s disease
  • Lung disease
  • Dementia

Cancer is at the top of the list as one of the most common diseases. What is more, there are various types of cancers. And it is one of the leading diseases that may result in long-term disability.

  1. Cardiovascular problems

Heart disease is a nightmare for a large group of people. Heart attacks, congenital heart problems, coronary heart problems, and heart failures are all examples of this medical condition.

It appears that people with any heart condition cannot live a completely normal life. Furthermore, the consequences can also be fatal. In most cases, disability is one of the stages of severe heart disease.

  1. Issues with back

It is possible to have a fatal accident at work. Or, someone can strike you with their car. Consequently, you could have a flimsy back.

All of these can lead to excruciating back pain. Besides, if you are someone who performs manual labour, there’s no way you can return to work.

Some people suffer from chronic back pain as a result of serious accidents. And some people develop it over time. As a result, one can no longer work freely due to chronic back pain.

  1. Mood disorder

This is a problem that people face these days. It also refers to the mental state in which you are consistently sad and loses interest in various aspects of life.

Does this ring a bell? Yes, the subject is depression. Professionals are baffled as they can’t figure out what is causing this health condition.

Nevertheless, it has been discovered that it occurs as a result of some chemical imbalance. Experts are still working to solve this health issue.

  1. Disorders of metabolism

A metabolic disorder is a condition that causes high blood sugar levels. This type of problem is commonly referred to as diabetes. There are different types of metabolic disorders.

Take a look at them below:

  • Diabetes 
  • Liver cancer
  • Cirrhosis of the liver

Let’s talk a little more about diabetes since it’s the most common disease. Type 1 diabetes and type 2 diabetes are the two types of diabetes. Both types cause a slew of health problems that make life extremely difficult.

In addition, type 1 diabetes is incurable. Many of us believe that type 1 diabetes is caused by obesity. But it isn’t like that.

Referring to that, insulin production is the primary cause. Again, obesity is linked to type 2 diabetes. And you will get acute joint pain along with other issues. That’s why you won’t be able to work.

What is long-term disability insurance?

Long-term disability insurance is a particular insurance policy that applies to people who cannot earn. And disability happens as the impact of an injury or some lifelong illness. A special insurance policy is needed to help people with long-term disabilities financially.

Final thoughts

So, these diseases are classified as long-term disabilities in the future. You must meet the criteria for long-term disability if you want to obtain them. Also, you’ll need to plan for long-term disability insurance and have a health condition covered by your policy.

Then, along with the insurance, you file a claim for long-term disability. But insurance companies fight tooth and nail to dismiss your long-term disability claim. If your disability insurance claim is denied, you should seek legal advice.