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Everything about the List of Diseases that Quality for Disability

medical conditions are eligible for disability insurance

There is no telling when a severe ailment or accident will make you disabled and turn you and your family’s life challenging. This is why having a disability insurance policy makes sense. Many insurers offer different types of disability insurance to secure you and your loved ones under such circumstances. Keep reading to know the diseases that qualify for disability insurance.

Medical Conditions that Qualify for Disability

The medical conditions that make patients qualify for disability benefits comprise musculoskeletal disorders, respiratory illnesses, cardiovascular system ailments, digestive system issues, haematological diseases, genitourinary illnesses, skin disorders, congenital disorders, endocrine ailments, neurological disorders, mental illnesses, cancer, and immune system ailments.

However, there are several medical conditions which make an individual qualify for disability automatically, including Amyotrophic Lateral Sclerosis (ALS), organ transplant, or oesophageal cancer. It also facilitates disability benefits for diseases like small-cell carcinoma, anaplastic carcinoma of the thyroid gland, etc.

List of Medical Conditions Covered Under Disability Benefits

Different insurers have their own unique list of diseases whose patients qualify for disability insurance. Therefore, you must check whether your preferred insurer includes a particular condition in their policies.

In general, the following are some life-threatening diseases and medical conditions that qualify for long-term disability:

Cardiovascular Conditions

Conditions related to heart health are among the leading diseases across the world, which kill many people every year. Victims of such conditions need to know that various kinds of heart ailments which can qualify for disability insurance include congestive heart failure, congenital heart defect, etc.

Respiratory Illness

Many persons suffer from serious respiratory ailments and qualify for disability benefits. Chronic Obstructive Pulmonary Disease (COPD) is among the most common respiratory diseases. It comprises several ailments like airflow blockage, breathing difficulties, chronic bronchitis, and emphysema.

Mental Disorders

You will be shocked to know that many individuals who get the disability benefits suffer from various mental disorders like Post-Traumatic Stress Disorder (PTSD), mood swings, autism, anxiety and depression. Non-treatment of these mental ailments may lead to dangerous emotional, physical, and behavioural health, or even suicidal tendencies. Therefore, mental ailments come under the list of diseases that qualify for disability.

Arthritis

Arthritis and musculoskeletal disorders are common conditions to qualify for disability benefits. It causes tenderness or swelling in one or more bone joints, affecting your ability to walk and making you face difficulty in carrying out dexterous movements such as writing or typing.

Stroke

Stroke is also one of the severe medical conditions that can lead to disability. In general, many individuals never completely recover after having a stroke. Subsequently, if you face difficulty communicating verbally or nonverbally and are incapable of walking without support, you may qualify for disability.

Lumbar Degenerative Disc Disease

Another common musculoskeletal ailment is Degenerative Disc Disease, which generally affects senior citizens older than 60 years of age. This affects their ability to walk, caused by back pain, aching neck etc. Somebody with DDD who cannot sit in one place due to pain for over two hours may qualify for disability

Cancer

Cancer is a life-threatening disease that can make an individual qualify for disability benefits. However, certain cancers, like liver cancer, lung cancer, etc., qualify only after a diagnosis. Some other cancer diseases that qualify include colon cancer, breast cancer, prostate cancer, brain cancer etc.

Nervous System Disorders

Nervous system ailments comprise disorders related to the central or peripheral nervous system. Nervous System disorders include chronic muscle pain, difficulty memorising like Agnosia, sleep disorders like insomnia, Amyotrophic Lateral Sclerosis (ALS), and other nerve-related diseases. If you are suffering from any diseases related to the nervous system, you are eligible for disability insurance.

Immune System Disorders

Immune system disorders comprise infection from viruses such as HIV and autoimmune diseases like rheumatoid arthritis, lupus, Crohn's disease, and ulcerative colitis. These ailments affect various tissues and organs in your body. There are several symptoms related to these diseases that include nausea, headaches, dizziness, fatigue, etc. Anyone suffering from an immune system disorder can qualify for disability benefits too.

Diabetes

Diabetes itself is not a severe condition, as numerous people can control this disease by regular intake of medications. However, there are several cases when this diabetes turns life-threatening and affects your normal life. If you are too fat to walk, you can qualify for a disability benefit.

What Documents Are Needed for Disability Insurance?

Following is the list of documents required to apply for a disability insurance plan:

Identity proof (Aadhaar Card, PAN card, etc.)
Income proof
Filled and signed claim form
Birth certificate
Proof of citizenship
Prevailing medical evidence that comprises medical records, current test results, doctor’s reports, etc.
Disability certificate
Hospital's total bill

How to Get a Disability Certificate?

Following are the steps you need to take to get a disability certificate:

Step 1: Navigate to the official portal of the UDID card.

Step 2: Select the ‘Register’ button to form your account on the UDID portal.

Step 3: Fill out your personal details, employment details, and disability details.

Step 4: Upload necessary documents and click on ‘Submit’.

Step 5: After the registration, you will receive the login details like the enrolment number and UDID number on your registered phone number and email id.

Step 6: Use those credentials and your date of birth to log in the portal.

Step 7: After reaching the portal, click on ‘Apply online for Disability Certificate’.

So, now you have gone through the list of diseases that qualify for disability insurance. This insurance policy tends to be of immense help in case you are diagnosed with any of the above-stated diseases. However, you need to understand the terms and conditions of this policy before opting for it.

Frequently Asked Questions

Is disability insurance beneficial for accidents?

No, long-term disability insurance policies are not advantageous as accidental covers. They mainly opt for illnesses.

What are the exclusions of disability insurance?

The exclusions of disability insurance policies are as follows:

Any disability owing to incarceration
Disabilities caused due to suicide attempts, accidents, or wars
Any pre-existing disease

What are the age criteria for opting for a disability insurance policy?

Generally, the minimum and maximum age limit to avail of a disability insurance policy range between 18 years and 70 years. However, this age criterion varies from one insurance provider to another.

What amount is considered for a disability insurance policy?

As per the terms and conditions of the disability insurance policy, an insured amount is equivalent to 60% of your total income after tax deduction.

Can I claim health insurance for long-term disability treatment?

Yes, if your health insurance covers hospitalisation, surgeries, or chronic disease management. However, long-term disability income support usually requires a separate disability insurance policy or government disability benefits.

Does term insurance provide coverage if I’m diagnosed with a disability?

Term insurance pays only on death, not disability. However, some policies offer riders (add-ons) for critical illness or disability coverage. Check if your plan includes such benefits or consider a separate disability insurance policy.

If I have a pre-existing disease, can I still get disability benefits?

Yes, you can still get disability benefits in life insurance with a pre-existing disease, but it may be more challenging. Insurers might impose higher premiums or exclusions based on the severity and management of your condition.