ERISA • Employment Law

Common Reasons for Disability Claims

11 Aug 2020

Some people are born with certain disabilities, while others never imagine that they will sustain a disabling condition. This type of diagnosis and recognition of your limitations can be devastating, especially if your condition prevents you from working. Reports indicate that more than five percent of working individuals in the United States will experience short-term disabilities that cause them to miss six months or less of work each year. Further, about 25 percent of people can expect to miss work for one year or longer due to a disability before they reach retirement age. 

It is important to stay aware of the common reasons for disability claims, which can vary widely. This can also help you recognize when you might qualify for disability benefits and need to start the claims process. 

Short Term Disabilities

Short term disability benefits help with financial support if you cannot work for a period of time due to temporary conditions. The following are some of the most common reasons for short term disability claims:

  • Musculoskeletal disorders, especially in the back, spine, shoulders, hips, or knees
  • Pregnancy and related conditions
  • Gastritis, hernias, and other digestive disorders
  • Muscle and ligament sprains and strains
  • Fractures and other injuries
  • Mental health conditions, including anxiety and depression

Long Term Disabilities

Some conditions are not expected to improve anytime soon to the point where you can return to work. These benefits are meant to last indefinitely unless your condition improves. Some causes of long term disability claims include:

  • Chronic musculoskeletal disorders
  • Cancer
  • Cardiovascular conditions
  • Permanently disabling injuries
  • Severe mental health conditions
  • Nervous system disorders
  • Respiratory conditions

The Impact of a Disability

Having your abilities restricted can be devastating enough, but that is in addition to all of the other effects of disabling conditions. Such conditions can require ongoing medical care, home assistance, medical equipment, and more, and they can prevent you from working. Medical bills and unemployment are two of the leading causes of bankruptcy in the United States, demonstrating how a disability can lead to financial struggles very quickly.

It is important to get all the financial support you can when a disability keeps you out of work. Workers’ compensation benefits help some people, but only if the disability stemmed from job-related injuries or illness. You should always explore whether you can qualify for disability benefits through your employer-sponsored ERISA insurance coverage

ERISA disability insurance claims are complicated, and many people receive initial denials. You want to seek help from an experienced disability claims attorney who can help you:

  • Prepare a persuasive claim
  • Present all necessary documentation to support your claim
  • Negotiate and communicate with insurance adjusters on your behalf
  • Navigate the appeal process if your claim was denied

Contact a Philadelphia Disability Claims Attorney about Your Situation

If you believe you need to file for disability benefits with your insurance company in Philadelphia or New Jersey, you want the help of a disability claims lawyer from The Garner Firm. Please contact us to learn more about how we can help.

Experienced Counsel

Mr. Garner is an ERISA employee benefits and employment attorney with over a decade of experience. The laws governing employee benefits, the employment relationship, and the workplace are complex.

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