Top Causes of Short and Long-Term Disability Claims

Top Causes of Short and Long-Term Disability Claims

According to the Council for Disability Awareness, the most common causes of short-term disability claims include pregnancy, musculoskeletal disorders, digestive disorders, such as hernia and gastritis, mental health issues, and injuries like fractures, sprains, and muscle strains. Musculoskeletal disorders, which can affect the back, knees, hips, shoulders, and other parts of the body, is also the leading cause of long-term disability claims. Other medical conditions that often lead to long-term disability claims include cancer, mental health issues, such as depression and anxiety, cardiovascular problems, and injuries to bones and muscles. Neurological disorders, such as multiple sclerosis, Alzheimer’s disease, Parkinson’s disease, and ALS also may lead to long-term disability claims.

Some of these medical conditions that have dominated long-term disability claims in recent years are due to the aging of our population. Other causes may include increases in life expectancy for many older Americans, and the fact that Americans are working longer. For instance, aging is causing a sharp rise in the number of disability claims based on musculoskeletal conditions. Long-term disability claims based on musculoskeletal disorders have increased long-term disability claims by 41% over the past ten years, and short-term disability claims by 24%. Claims based on joint disorders have increased for the same reason.

Another major cause of disability is cardiovascular issues or heart disease. The American Heart Association states that heart disease continues to be the number one cause of death among Americans. Recovery from heart surgery or stroke is likely to result in significant medical bills and other expenses while out of work for recovery purposes.

We know that you are facing disability-related legal issues that can be crucial to your future. As a result, the attorneys at Bonnici Law Group have the skills and knowledge to advise you of all potential options. We know how vital this support can be to you when you are unable to work. As a result, we are here to represent your interests throughout any dealings that you must have with your insurance company. For legal advice about your claim, please contact Bonnici Law Group at 619-259-5199 or help@bonnicilawgroup.com.

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