April 27, 2022


Do you qualify for the common conditions for LTD in the U.S?

A long-term disability (LTD) is a disability that lasts more than 12 months or is proven fatal. The LTD can be illness-related, genetic, or caused by injury, but if it limits a person’s ability to work or make a living for himself, they qualify for LTD insurance benefits in the U.S.

Before the LTD benefits, an employee must be out of work for 3 to 6 months. Many employers provide LTD insurance to their employees, or individuals may purchase their private LTD insurance. Any insurance gives you monthly payments to help you make a living. In this article, we will see the conditions that qualify for LTD in the United States

Some types of conditions that make you qualify for LTD and its benefits

Cancer: Cancer is an uncontrollable growth of abnormal cells in the body that invade healthy tissues and organs. You may qualify for long-term disability benefits if you have certain types of cancer, such as:

  • Lung Cancer
  • Breast Cancer
  • Leukemia
  • Lymphoma
  • Melanoma

Autoimmune Disorders: An autoimmune disorder occurs when your body’s immune system, which protects against foreign viruses and infections, mistakenly attacks its tissues as a foreign virus. In this condition, your immune system attacks and damages its healthy tissues. Some common autoimmune disorders are:

  • Lupus
  • Multiple Sclerosis
  • Type 1 Diabetes
  • Rheumatoid arthritis

Neurological Disorders: Neurological disorders affect the nervous system, including nerves, the spinal cord, the brain, and muscles. Impairment causing common neurological disorders includes:

  • Migraines
  • Stroke
  • Epilepsy
  • Peripheral Neuropathy
  • Bell’s palsy

Chronic Illness: Chronic condition means a condition that persists for a long time and requires ongoing medical attention. Some chronic conditions can qualify for LTD benefits, such as:

  • Asthma
  • Chronic lung disease
  • Heart disease
  • Kidney disease
  • Fibromyalgia

Mental Illness: Mental illness causes changes in thought processes, mood, or behavior. Among the mental health disorders that may qualify for long-term disability benefits are:

  • Anxiety
  • Depression
  • Bipolar disorder
  • Personality disorder
  • Post-traumatic stress disorder

Degenerative diseases

It is a disease in which the structure or function of the affected organs or tissues deteriorates over time. Some the degenerative diseases include:

  • Osteoarthritis
  • ALS
  • Parkinson’s disease
  • Huntington’s disease

Some other conditions that make a person qualify for LTD insurance benefits are:

  • Deafness
  • Blindness
  • Chronic pain
  • Chronic fatigue
  • Certain long-term injuries

Note that some long-term disability (LTD) policies may limit the time of your benefits. For instance, if you even have soft tissue muscular-skeletal problems or fibromyalgia, a psychiatric condition, your policy may limit the payment of those benefits to 24 months.

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