The number of adults in the U.S. living with a disability is staggering. The Centers for Disease Control and Prevention estimates about 61 million people — that’s one in every four adults — have at least one disability. This can significantly impact their ability to work and their income.
What causes these disabilities? You may think it’s something shocking and dramatic, such as a car crash or a workplace injury. In reality, it’s often something much different.
Leading reasons for long-term disability claims
Statistics from the Council for Disability Awareness reveal the most common reasons for long-term disability claims:
- Musculoskeletal disorders (such as arthritis, scoliosis, degenerated discs, etc.) — 29%
- Cancer — 15%
- Pregnancy (including complications before or after the birth) — 9.4%
- Mental health issues (such as depression, anxiety, bipolar disorder or substance abuse) — 9.1%
- Injuries (for example, fractures, sprains dislocations or strains) — 9%
The organization also notes heart attacks and diabetes are prevalent as well.
Not everything is preventable
Making choices that put you in the best position to remain healthy for a long time is a good thing. But when looking at the list above, some of these disabling conditions are unpredictable and out of a person’s control. That is precisely why long-term disability insurance exists.
Many people rely on this coverage in case of an emergency. Unfortunately, employers and insurers don’t always hold up their end of the deal. They may wrongly deny your claim, or drag their feet and offer less than you’re entitled to. In these situations, you may need to file an appeal, fight back and stand up to the insurance companies.
If you or a loved one are in this situation, consider reaching out to the Milwaukee, Wisconsin law office of Alan C. Olson and Associates. We can explain your options and help guide you through whatever legal actions may come.