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Most Common Disabilities that Lead to LTD Claims


Long-term disability (LTD) insurance plans are designed to provide replacement income for individuals who have been diagnosed with a condition that will prevent them from working for a period expected to exceed six months.

Numerous disabling conditions could qualify a claimant for LTD benefits, but the most frequent ailments that will require you to take a significant period of time away from work include autoimmune diseases, chronic pain conditions, and mental health disorders.

Autoimmune Diseases

When someone is diagnosed with an autoimmune disease, his or her immune system essentially attacks itself, as opposed to attacking harmful bacteria, viruses, and other microorganisms. Some autoimmune conditions you might have heard of include lupus, multiple sclerosis, Crohn's disease, and rheumatoid arthritis.

People who have autoimmune diseases experience extreme fatigue, pain in the affected muscles and limbs, and numbness and tingling in the extremities. There is a vast array of autoimmune conditions, and symptoms will manifest in a number of ways. However, a common symptom in most autoimmune diseases involves periods when symptoms unexpectedly flare up, known as exacerbations.

Chronic Pain Conditions

Many autoimmune diseases and chronic pain conditions overlap, such as with multiple sclerosis and rheumatoid arthritis. Ailments of this nature cause those suffering to feel pain off and on throughout the day. These conditions are not curable and can only be treated with medication to help minimize the pain.

Symptoms of chronic pain conditions include severe fatigue and pain, mood swings, and a lack of appetite and energy. Fibromyalgia, neuropathy, and chronic migraines are just a few of these debilitating conditions. Chronic pain makes focusing on work nearly impossible, which is why LTD benefits are often crucial to those enduring one of these conditions.

Mental Health Disorders

Proving to disability insurance companies that mental health disorders are “worthy” of long-term disability benefits has been an uphill battle. The fact of the matter is that mental health disorders like post-traumatic stress disorder (PTSD), anxiety, depression, bipolar disorder, and schizophrenia can have devastating effects.

Because these conditions are usually triggered by a life event or overwhelming stress, it’s important that those suffering from mental illness are protected when their conditions are brought to light. Some of the most common manifestations of mental illness are extreme highs and lows, hallucinations, suicidal thoughts, social withdrawal, substance abuse, and severe anxiety.

It would be difficult for anyone experiencing symptoms like these to continue to work unless or until the condition is treated and controlled.

Speak with a Toronto Disability Lawyer

If you have questions about whether your condition will meet eligibility requirements of your long-term disability insurance plan, get in touch a Toronto disability insurance lawyer at Blackacre Law, PC today.

Our team has the knowledge and experience you need to get approved for the benefits you’re entitled to. Give our office a call at 647-556-5888 or simply fill out the quick contact form below to schedule your no-cost claim evaluation.