What Conditions Are Covered by Disability Insurance?

Disability insurance can be a critical investment in your financial security and peace of mind. If an accident or health condition derails your livelihood and affects your income, you may need help staying afloat. Fortunately, these policies are designed to provide financial support if you cannot work due to a disabling condition. Understanding the ins and outs of coverage, including what conditions may be covered, is essential.

What Can Warrant a Disability Insurance Claim?

The range of conditions covered by disability insurance can vary depending on your policy and carrier, but coverage is typically broad, often encompassing both physical and mental health issues. Specifically, disorders and conditions in the following categories may garner disability insurance benefits:

• Musculoskeletal disorders—These conditions may include those affecting the bones, joints and muscles. Common examples are arthritis, back injuries and degenerative disc disease. These conditions can severely limit mobility and the ability to perform physical tasks.

• Cardiovascular issues—Heart-related issues, such as coronary artery disease, heart failure and arrhythmias, may be covered. These conditions can lead to significant limitations in physical exertion and overall stamina.

• Neurological conditions—These disorders, including multiple sclerosis, Parkinson’s disease, epilepsy and cerebral palsy, can affect motor skills, coordination and cognitive functions.

• Mental health issues—Mental health is a critical aspect of disability coverage. Conditions such as depression, anxiety, bipolar disorder and schizophrenia may be covered. These conditions can impact an individual’s ability to concentrate, interact socially and maintain consistent work performance.

• Respiratory problems—Chronic respiratory diseases such as chronic obstructive pulmonary disease, asthma and cystic fibrosis may be covered. These conditions can make it difficult to breathe and perform tasks that require physical exertion.

• Autoimmune conditions—Autoimmune diseases, such as lupus, rheumatoid arthritis and multiple sclerosis, may be covered due to their potential to cause widespread bodily harm and functional limitations.

• Cancer—Various types of cancer, including breast, lung and colon cancer, may be covered. The treatment and recovery process can be long and debilitating, necessitating financial support.

• Digestive disorders—Conditions such as Crohn’s disease, irritable bowel syndrome and liver disease can significantly impact daily functioning and may be covered.

How to Get Disability Insurance Near You

Contact United Benefit Solutions, LLC in Rockville Centre, New York, to learn about disability coverage and secure a suitable policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.