What are the most common disabling conditions for a long term disability claim?

Disability attorney Gregory Dell discusses some of the most common disabling medical conditions in a claim for long term disability benefits.

There are generally two sources of disability. Number one is accidents and number two is illnesses. 91% of long-term disability claims are caused by illness and not by injury. There was a recent study by the Disability Council of Awareness in which they did a survey of the long-term disability companies, as well as Social Security Disability, and came up with what percentage of claims were caused by what types of illnesses. And, for example, the major disablers were: musculoskeletal/connective tissue, which was 22.6% of claims; cancer was 13.6% of claims; cardiovascular disease was 10.1% of claims; maternity-related issues was 9.4% of claims; injuries/accidents were 8.1% of claims; mental and psychiatric disorders were 6.5% of claims; and 5.8% of claims were neurological disorders. This list is just an example of the few of the major disabling conditions. If you have any questions or concerns about a disabling condition which you feel causes you to be disabled, feel free to call us to discuss your claim.

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There are 9 comments

  • Paul, I would suggest that you send me a copy of your policy so I can go over with you and explain what your rights are under the policy. You can call my office and ask for Attorney Rachel Alters.

    Rachel AltersAug 4, 2018  #9

  • I was a Chiropractor and purchased a 2 year any occupation policy back in 1997 with a whole life rider that would pay me back when I turned 65. My policy paid the first year I was injured, then I had to fight to get my second year, due to testing that the insurance company misunderstood. After the second year I had a one year extension on one of the policies and was paid. I currently am experiencing back and neck pain from an auto accident that caused this disability policy to become active in 2015. I am also experiencing chronic brain fatigue. My primary injury Doc stated in a letter to the insurance company that he believes that my injuries make me unable to compete in the job marked. There is no Chiropractic school in my state that I could possibly teach at and I was turned down by a Doctor to work in his clinic due to my injuries.

    My question is what would I be expected to do? The policy states that Consideration is given to your education, training and experience. I was practicing Chiropractic for 27 years. Due to my daily fatigue I cannot manage a clinic, otherwise I would have done that with my own. I ended up selling my clinic in 2015. Currently I did pass my real estate boards in 2016 but honestly have no experience. There are 25,000 realtors in my city and if I sell a place it will be by sheer luck. I took the board since I was concerned that my insurance would drop me, which they did and I would have no source of income at all.

    PaulAug 3, 2018  #8

  • Katie, that is problematic as the loss of the limb would be a result of a medical condition and not an accident, which could then in turn preclude a benefit.

    Stephen JessupAug 25, 2016  #7

  • I have a UNUM Term Life and AD&D insurance policy. My left leg was amputated below the knee due to a blood clot that started in my heart and traveled down the artery and lodged behind my knee. My foot was cold. I did not think anything was wrong. I was taken to the emergency room where I apparently passed out. After two days the doctor amputated. Unum has a “Portability Accidental Dismemberment Claim Form” that I need to submit. My doctor filled out his part of the form and supplied consultation and operative reports. **He did check a box “yes” answering “In your opinion, was the loss caused in any way by illness or disease?” Now, that makes me nervous. What do you think? Also, on it is a section wanting “Information about the Injury/Loss” with directions to describe how the loss occurred. I don’t know what to put. How detailed or not detailed I should be. Do you know of any similar situations. Please let me know what you think.

    KatieAug 24, 2016  #6

  • Cigna is rated F by the better business bureau ! Need I say more

    KennyMay 20, 2016  #5

  • Lisa,

    If you are on your third appeal, chances are Cigna will find a way to deny the benefit again, as history has proven that is their inclination. Please note that if your policy is governed by ERISA, the only records and information you will be able argue in the event of trial is what is found in the administrative record. The administrative record is comprised of the information you provide to Cigna and the information Cigna creates during the course of your claim. Therefore, failure to submit a full and complete appeal could adversely affect your case should it go to litigation. Please feel free to contact us should you have any questions.

    Stephen JessupOct 20, 2013  #4

  • OK, I’ve been reading a lot of your answers. I have been dealing with Cigna for 2 1/2 years now. 5 months ago they decided I could return to work and closed my claim. I am now on my 3rd appeal. I have heart disease, diabetes with neuropathy, degenerative disc disease, nerve damage to my right arm and right leg, COPD with emphysema and poor circulation in my legs. I feel like I am just being denied because they can. What are your thoughts?

    LisaOct 19, 2013  #3

  • Larry,

    Please read this FAQ entry for an answer to your question. Thank you.

    Gregory DellOct 22, 2012  #2

  • I have frozen shoulder after two surgeries. Why would The Hartford have a nurse evaluate my medical record after a orthopedic specialist took me off for another month an possibly a third surgery?

    LarryOct 22, 2012  #1


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Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

Jeff P. (Oklahoma)

After a very long and frustrating ordeal to keep my LTD payments coming I decided to seek assistance from and attorney. After much research and asking those in the legal profession Dell & Schaefer seemed to be the top choice. I reached out and Alex Palamara was the attorney assigned to my case. All I can say is the experience was outstanding. Both Alex and his Paralegal, Danielle Lauria were excellent to work with. They were very kind, concerned, understanding of my frustrations and treated me with the utmost respect. Communication was excellent with regular updates and telling me what I could expect in each stage of the process.

Alex was also very straight forward with what to expect and no pie in the sky promises or expectations were made. In the end we won our case and I believe it was solely due to their experience and knowledge of not only the laws but the insurance companies as a whole. I would highly recommend them and am very grateful for the help they afforded to me.

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