What types of disabilities do you commonly see in long term disability claims?
Almost anything severe enough to keep you from doing your regular work. Some of the most common we see are:
Spinal disorders, including herniated cervical and lumbar discs, spinal stenosis, arthritis, osteoporosis, compression fractures;
Rheumatoid arthritis, lupus, fybromyalgia, chronic fatigue syndrome, HIV, AIDS; Amputations, multiple fractures requiring surgery, reflex sympathetic dystrophy, chronic regional pain disorder;
Decreased vision or hearing, vertigo, tinnitus, stuttering; Asthma, emphysema, asbestosis, sleep apnea, chronic obstructive pulmonary disease;
Heart attacks, angina, bypass surgery, congestive heart failure, enlarged heart, aneurysm, valve disease, heart transplant;
Chronic liver disease, cirrhosis, hepatitis, ascites, colitis, Crohn's disease, diverticulosis, pancreatitis;
Kidney disease, anemia, leukemia, polycithemia, lymphoma, myeloma, sickle cell anemia;
Sklerodema, burns, psoriasis, atopic dermatitis, melanoma, hydradenitis, skin cancer;
Diabetes, obesity, neuropathy, retinopathy, thyroid diseases, peripheral vascular disease, high blood pressure;
Seizure disorder (epilepsy), multiple sclerosis, Parkinson's disease, myasthenia gravis, brain tumor, ALS, Alzheimer's;
Depression, anxiety, bi-polar disorder, post-traumatic stress disorder (PTSD), ADHD, ADD, schizophrenia;
Substance abuse, alcoholism, prescription pain addiction, personality disorders, mood disorders;
Cancer (breast, bone, lung, abdominal, liver, pancreatic, testicle, ovarian, colon, skin, mouth, prostate, kidney).