YOU ASK:

What medical conditions qualify for disability?

WE ANSWER:

In essence, these are medical conditions that prevent an individual from doing the tasks and responsibilities that he previously was able to do prior to the injury or medical condition. Some of these medical conditions include:

  • Heart disease and heart problems
  • Arthritis, osteoarthritis and other forms
  • Diabetes and diabetic neuropathy
  • Hypertension and high blood pressure
  • Crohn's disease
  • Epilepsy
  • Irritable Bowel Syndrome
  • Muscular dystrophy or Multiple Sclerosis
  • Asthma
  • Sight or hearing problems
  • Cancer, in its various forms
  • Muscular dystrophy
  • Reflex sympathetic dystrophy
  • Meniere's disease
  • Mental disease
  • Traumatic brain injury
  • Spinal injury

"Mental" disorders include the following:

  • Major depression
  • Mental retardation or low IQ
  • Schizophrenia
  • Asperger's disease
  • Anxiety or panic attacks
  • Autism
  • Bipolar disorder
  • Personality disorder
  • Post traumatic stress

The list above is not exhaustive. Social Security has a list of these impairments that make a person eligible for disability benefits. Please note that each medical condition has its own set of criteria for it to be approved as payable for disability benefits. During the evaluation, they will check to see your medical records to see whether you meet the criteria. Also, the severity level of your condition will be part of the evaluation.

However, you can still apply for disability benefits even when your medical condition is not included in the list. You can do so by showing that an impairment or medical condition prevents you from doing what you need to do in the course of doing your job, that is, your condition is bad enough that you can't work and earn a specified amount of gross income within a month. Examples of disease not listed are carpal tunnel syndrome and fibromyalgia.

What is important is that you have complete and updated medical records.

For private disability insurance, the list is similar. However, it would be best to check the policy to see exactly what is covered and payable for disability benefits.

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