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.