3 Considerations You Need to Remember When Claiming Long-term Disability Benefits

Accidents can happen in the most unexpected split seconds of your life – and it can even change everything.

This is where the importance of having a personal insurance comes in. However, not all accidents are the same. That is why you need to know all the twists and turns on your claims and what considerations and even actions to take upon claiming your disability benefits.

1. Length of Time and Severity of Disability

If the treatment of an ailment or injury shall last longer than a year or even more, it can be considered as a long term disability.

However, there are still other factors to consider beyond the longevity of the medical care. One of which is the seriousness of the disability. Below is a list of ailments and impairments which are subject to long term disability benefits. These are medical conditions that qualify for long term disability:

• Stroke

• Parkinson’s Disease

• Lupus

• Epileptic and Non-Epileptic Seizures

• Osteoarthritis

• Leukemia

• Lung Disease

• Brain Injury

• Severe Hepatitis

• Heart Disease

• Eye Disorder

• Migraine

• Kidney Disease

• Cancer

• Asthma

• Diabetes

• Herniated Disc

• Crohn’s Disease

• Ataxia

• Cerebral Atrophy

• Fibromyalgia

• Heart Impairment

• Hearing Disorders


• Chronic Fatigue Syndrome

• Epstein-Barr Virus

• Irritable Bowel Syndrome (IBS)

• Spinal Stenosis

• Peripheral Neuropathy

• Multiple Sclerosis

• Knee Disorder

• Lyme Disease

• Insomnia

• Macular Degeneration

• Rheumatoid Arthritis

• Sjogren’s Sygroup

• Vestibular Dysfunction

• Chronic Obstructive Pulmonary Disease

• Post-Traumatic Stress Disorder (PTSD)

• Psychosis

• Vestibular Disfunction

2. Effect of Disability to Livelihood

Aside from the above-mentioned reasons, the effect of disability to a person’s craft and livelihood may also be a question on whether or not the long term disability claim will be valid.

Take for instance a carpenter who lost his voice due to lung cancer can still perform his duty and earn from his craft. However, a radio DJ will not be able to do this if his voice is affected by the disease. This is somehow the tricky part when it comes to claiming full benefits out of a long term ailment.

3. Own Insurance Claim’s Policies and List of Qualified Disabilities

It is not a secret anymore that insurance companies can have a way around the claiming of benefis because they have their own set of policies and regulations which you have agreed upon the moment you signed the contract. That is why it is very crucial that you read all the details in the contract and ask as much questions as possible before formally inking the paper and paying the bill.


When making a health claim, always keep in mind to never make any on-the-spot decisions and do your best to research well first about the company and the agent. It is not a crime to be meticulous but it can sometimes save your life and the people around you.