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Common LTD causes: a long and varied list

by | Apr 16, 2021 | Long Term Disability Claim Denial

One disability-focused article notes that most of America’s doctors secure long-term disability to safeguard themselves, their practices and their families from the financial downsides linked with a longer-term adverse health condition.

They obviously know something.

What they appreciate, notes the medical professionals’ digital insurance platform LeverageRx, is this: the high chance “of something happening that diminishes the capacity to practice medicine.”

Obviously, that catalyst can be something like an unprecedented economic collapse or some other singular cause, but it is far more likely the case, though, that a practice disruption is caused by a personal health disability of some duration.

And that is frighteningly common, both in the medical profession and across all spheres of life.

LeverageRx underscores the prevalence of disabling conditions that routinely disrupt life for countless numbers of American employees and their loved ones. It spotlights estimates indicating that “from 25 percent to 30 percent of American workers will endure some type of temporary disability during their careers.”

Candidly, without disability insurance protection, those conditions can both break the bank and exacerbate already debilitating health challenges. The LeverageRx piece notes these prominent causes of long-term disability:

  • Muscle, back and joint problems (e.g., arthritic conditions)
  • Cardiovascular disease
  • Cancer (the sheer type of occurring cancers presents a considerable diagnosis/treatment challenge)
  • Mental health issues (there is growing recognition of the long-term health challenges posed by conditions such as depression and PTSD)
  • Physical injuries linked with accidents

Insurers and employers offer push back against long-term disability claims. A proven and aggressive disability law legal team can help a challenged claimant fight back to obtain their disability benefits.