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Common Types of Disability Claims

What to Avoid Telling Your Disability Insurance Adjuster
What to Avoid Telling Your Disability Insurance Adjuster
September 30, 2019
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October 14, 2019

When applying for disability insurance, many people wonder whether they will qualify for benefits with the type of disability they have. The Social Security Administration has certain guidelines for what a disability is and who is eligible for benefits. One of the main factors that helps determine whether you qualify for benefits is the degree to which your disability limits your current ability to work and earn an income. If you have questions about whether you qualify, be sure to contact a Philadelphia disability lawyer for guidance. 

Illness and Disease Disability Claims

Heart disease remains a leading cause of death, followed by strokes as the second leading cause of death in our country. Cardiovascular diseases like these have been known to lead to temporary of lifelong disabilities that can result in physical and mental impairments. Depending on the damage caused to the brain by a stroke, some Common Types of Disability Claimspeople will not be able to walk without assistance or perform a complex series of tasks. This affects people who have jobs that are physically or mentally demanding. 

A series of strokes can sometimes lead to a form of dementia that is induced by a history of cardiovascular problems. This can create problems with memory, cognition, and mood. A person who was once friendly may become hostile or someone who relies on memory to perform complex tasks will be less productive at work.  

Mental disorders other than dementia may call for benefits if the impairments are severe enough. Some examples can include schizophrenia, obsessive-compulsive disorder, PTSD, or major depressive disorder. Depressive and other mood disorders in milder forms can still allow the person to work, but severe cases are often too debilitating and might involve hospitalization. 

Cancer can also cause certain disabilities and is terminal in some cases. The treatments themselves for cancer can lead to certain limitations in thinking, movement, and strength. Any kind of disability that is expected to lead to an early death, like terminal cancer, is usually enough to warrant disability benefits.  

Physical Injury Disability Claims 

Dozens of physical injuries can cause disabilities. Common examples are bone fractures, spinal cord injuries, traumatic brain injuries, soft tissue injuries, and severe burns. Many of these come with prolonged recovery times where the person is unable to work until the injury heals. Traumatic brain injuries and spinal cord injuries can cause mental and physical problems. 

Musculoskeletal conditions describe problems or injuries to muscles, tendons, cartilage, spinal discs, nerves, or joints. Some of these problems can worsen if the person continues to perform physically demanding tasks. Some examples of these conditions are soft tissue injuries like sprains or strains, dislocations, chronic back pain, hernias, or carpal tunnel syndrome. 

Many of these can cause pain or further damage if rest isn’t taken. Hernias can grow in size with repeated strenuous activity and damaged muscles in soft tissue injuries can tear.  

Philadelphia Disability Lawyer 

If you were recently diagnosed with any of these disabilities, consider talking to an experienced Philadelphia individual disability insurance lawyer about what you need to do to receive benefits. Call Edelstein & Nelson at 1-800-300-0909 today for a consultation. We will investigate your situation and collect the relevant documents you need to increase your chances of receiving benefits.  

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