Resources

Does short-term disability cover pre-existing conditions? The answer depends on a variety of factors, including the type of condition, length of time you've had the condition and its prognosis. Disability insurance coverage is different than health insurance when it comes to pre-existing conditions. The purpose of disability insurance, whether long or short-term, is to protect your income when you're sick or injured. You'll pay a premium, either monthly or yearly, for coverage. The amount you pay depends on your general health and lifestyle, your age, the amount of insurance coverage you want, and the duration of the coverage. What Is a Pre-Existing Condition? In the insurance business, a pre-existing condition is any medical issue, illness, injury, or chronic condition, which…Read More

If you suffer from irritable bowel syndrome (IBS), you know the importance of access to irritable bowel syndrome disability benefits. IBS is a gastrointestinal disorder that affects the large intestine and interferes with the digestive system. Up to 50% of visits to a gastroenterologist are related to IBS. While the disease is more prevalent in women than men, the types of debilitating symptoms are the same for everyone. What Are Symptoms of Irritable Bowel Syndrome? Symptoms of IBS include severe abdominal cramps, bloating, diarrhea, and constipation. Sufferers may also experience anxiety and stress related to managing the disease. Other systems in your body can be affected by IBS, including: urination, fatigue, headaches, joint or muscle aches, and even halitosis. Unfortunately, there is no cure for irritable bowel syndrome.…Read More

You may think it's just another bug bite, but tick bites can be dangerous. Tick-born Lyme disease can manifest in a variety of physical and mental symptoms, which may vary from relatively mild to disabling. Unfortunately, many cases of the disease go undiagnosed because the symptoms can mimic other illnesses. Learn more about Lyme disease long-term disability benefits below. Symptoms of Lyme Disease Symptoms of Lyme disease are unpredictable and can be physical, mental, or a combination of the two. Physical symptoms include fatigue, joint swelling, fever, widespread pain, and weakness. Mental symptoms include difficulty concentrating, memory loss, panic attacks, anxiety, and even delusions. Not everyone will have mental symptoms, but like physical symptoms, they can vary from barely perceptible to debilitating. Symptoms of Lyme disease treated with antibiotics usually resolve themselves. If…Read More

Workers diagnosed with cancer usually have access to long-term disability benefits for cancer treatment through their employers, but a diagnosis of cancer does not guarantee your claim for benefits will be granted. Long-term disability policies vary. And the type of cancer, its severity, and treatment options are all a consideration during the benefits approval process. For example, individuals with early-stage cancer may not qualify for long-term disability benefits. But they may be eligible for short-term disability benefits. Your Chance of Getting Benefits May Depend on the Stage of Cancer Cancer is categorized in stages. Stages refer to the size of the cancerous tumor and how widespread the disease is in the body. Stage 1 cancer is defined as an abnormal…Read More

The lasting effects of Multiple Sclerosis (MS) call for a strong support network. And multiple sclerosis disability benefits should be part of your network. Advances in the study and treatment of MS are causes for hope in the future. In the meantime, resources are available to help you create your own brighter future. MS is a chronic autoimmune disease that effects almost a million Americans. The disease attacks the central nervous system impairing the ability of signals to get from the brain to other parts of the body. In addition to the nervous system, MS also affects the brain, spinal cord, and optic nerves. While MS affects individuals of all ages, the majority of people are diagnosed with MS between…Read More

Nearly one-third of Americans have diabetes or prediabetes and about 1.5 million new cases are diagnosed each year in individuals of all ages. When you consider the loss of productivity, the cost of medicine and medical treatment, and loss of income, the cost of diabetes is high. Unfortunately, some insurance providers don't make it easy for doctors or patients to manage diabetes and prevent serious illness. Learn more about qualifying for long-term disability for diabetes below. Understanding the Different Types of Diabetes In general terms, diabetes is a disorder affecting the way your body processes and uses sugar. Insulin is produced by your pancreas and its job is to process sugar from the food you eat and convert it to the energy. When…Read More

More than 50 million Americans have some form of arthritis. And this condition can limit or prevent you from working and impact your quality of life. There are over 100 different forms of arthritis which can cause swelling and inflammation of the joints, make movement painful, and cause joint deformities. Many people may not be aware that benefits are available or there may be confusion about the process to apply for benefits. Disability for arthritis can help you mitigate the costs associated with this disease, including: loss of income due to the inability to work, pay for prescriptions and doctor visits, and assisted living devices. So how can you get disability for arthritis? Read on to learn more. How Do…Read More

The answer to the question "is osteoarthritis a disability?" isn't a simple yes or no. Osteoarthritis is caused by wear and tear to the cartilage in your joints. Cartilage is a firm, slippery material that protects the ends of your bones and prevents them from rubbing together. Osteoarthritis is different from rheumatoid arthritis, which happens when your immune system attacks your joints and cartilage. Osteoarthritis typically occurs in the hands, knees, hips, and spine and is a degenerative condition, which means it will worsen over time. It isn't curable, but can be managed with proper treatment. What Are Symptoms of Osteoarthritis? Osteoarthritis often develops slowly and may initially affect only one area of the body, but it can spread to…Read More