If your disability insurance claim has been denied, the medical condition affecting your ability to work is often central to the insurer’s decision. At J. Price McNamara: Disability, Life, AD&D Insurance Attorneys, we represent individuals facing denials involving a wide range of physical, neurological, and mental health conditions. The following list highlights many of the disabling conditions that commonly form the basis of long-term disability claims. Even if your diagnosis is included below, insurance companies may still challenge the severity of your symptoms, your functional limitations, or the medical support for your claim. Our long term disability lawyer helps clients build strong appeals and pursue the benefits they are entitled to under their policies.
- Alzheimer’s disease: A progressive neurological disorder that impairs memory, reasoning, and the ability to perform daily tasks.
- Bipolar disorder: A mental health condition causing extreme mood swings, including depression and mania, which can affect work capacity.
- Cancer: A serious illness that often requires intensive treatment and can prevent individuals from maintaining employment.
- Cervical spondylosis: Degeneration of the neck vertebrae that can cause chronic pain and limit mobility.
- Chronic Pain Syndrome: Persistent pain that interferes with daily activities and employment.
- Cirrhosis: Severe liver damage that can lead to fatigue, weakness, and other complications affecting work.
- Complex Regional Pain Syndrome (CRPS): A chronic pain condition usually affecting a limb, causing severe functional limitations.
- Complex PTSD (CPTSD): Severe post-traumatic stress disorder with prolonged symptoms that affect daily functioning.
- Congestive heart failure: A heart condition that limits physical activity due to fatigue and shortness of breath.
- COPD (Chronic Obstructive Pulmonary Disease): A lung disease that impairs breathing and can prevent sustained work activity.
- Crohn’s disease: A chronic gastrointestinal disorder that can cause severe pain, fatigue, and digestive issues.
- Degenerative disc disease (DDD): Spinal disc deterioration causing chronic back pain and mobility limitations.
- Diabetic neuropathy: Nerve damage from diabetes that can impair mobility, sensation, and overall function.
- Dysautonomia: A disorder of the autonomic nervous system causing dizziness, fainting, and other disabling symptoms.
- Epilepsy: A neurological disorder characterized by seizures that may prevent safe work performance.
- Fibromyalgia: A chronic condition causing widespread pain, fatigue, and cognitive difficulties.
- Fused ankle: A surgical or traumatic condition that limits mobility and physical activity.
- Glaucoma: A progressive eye disease that can lead to vision loss and affect daily functioning.
- Graves’ disease: An autoimmune disorder affecting the thyroid, causing fatigue, weakness, and other symptoms.
- Hashimoto’s disease: An autoimmune thyroid condition that can cause fatigue, joint pain, and difficulty working.
- High blood pressure (Hypertension): Severe or uncontrolled hypertension can lead to serious health complications affecting work.
- Insomnia: Chronic sleep deprivation that impacts mental and physical performance.
- Irritable Bowel Syndrome (IBS): A gastrointestinal disorder causing abdominal pain and digestive disruptions.
- Kennedy’s disease: A rare neuromuscular disorder causing progressive weakness and functional limitations.
- Kidney disease: Chronic kidney conditions can cause fatigue and restrict daily activity.
- Liver cirrhosis: Advanced liver disease that can severely limit energy and work ability.
- Lumbar spondylosis: Degeneration in the lower spine leading to chronic back pain and reduced mobility.
- Lupus: An autoimmune disease causing fatigue, joint pain, and organ involvement that may be disabling.
- Lyme disease: An infection that can cause fatigue, joint pain, and neurological symptoms affecting work.
- Multiple Sclerosis (MS): A neurological condition causing muscle weakness, fatigue, and mobility issues.
- Occipital neuralgia: Nerve pain in the back of the head and neck that can impair concentration and activity.
- Osteoarthritis: Degenerative joint disease causing pain and limited movement.
- Parkinson’s disease: A progressive neurological disorder affecting movement, balance, and coordination.
- Post-cancer treatment complications: Lingering effects from treatment such as fatigue, neuropathy, or organ damage.
- Psoriasis: Severe cases can cause pain, discomfort, and functional limitations.
- PTSD: Post-traumatic stress disorder can impair mental health, concentration, and daily functioning.
- Schizophrenia: A severe mental health disorder that can interfere with thinking, behavior, and the ability to work.
- Severe asthma: Chronic respiratory issues that can prevent sustained physical activity.
- Sickle cell disease: A blood disorder causing pain crises, fatigue, and organ damage that can affect work.
- Spondylosis: General spinal degeneration that may result in chronic pain and reduced mobility.
- Stroke: Brain injury that can impair speech, movement, cognition, and the ability to work.
- Syncope: Fainting episodes or sudden loss of consciousness that can make work unsafe.
- Traumatic Brain Injury (TBI): Brain damage from trauma affecting memory, cognition, and daily function.
- Type 1 diabetes: Insulin-dependent diabetes that can cause complications impacting daily life.
- Type 2 diabetes: Chronic diabetes that may cause fatigue, neuropathy, and other disabling symptoms.
If your disability insurance claim involves one of these conditions and has been denied, a long term disability lawyer at J. Price McNamara: Disability, Life, AD&D Insurance Attorneys can review your situation. Our team understands how insurers evaluate different medical conditions and can help build a stronger appeal based on your diagnosis, symptoms, and functional limitations as you pursue the benefits you deserve.
