What Is Long-Term Disability?


Quick Answer

Long-term disability is a physical or mental handicap that causes an inability to work, an inability to adjust to other work because of a medical condition or a handicap that is expected to last for at least or a year or will result in death, as identified by the Social Security Administration. Disability is further separated into two different types: permanent and temporary. Those who qualify for long-term disability will need medical references and reports, and will be eligible for numerous benefit programs and even disability insurance benefits.

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Full Answer

There are some medical conditions that are automatically considered as a disability. It is important to look at the disabling list posted by the Social Security Administration for more information.

There are various types of disabilities, depending on what may be impaired. They include:

  • Mobility and physical impairments: this can be separated further into upper limb disability, lower limb disability, manual dexterity and disability in coordination with different organs of the body.
  • Spinal cord disability: this type of disability can also be further categorized into complete and incomplete. An incomplete spinal cord disability is one where the spinal cord has not been completely severed and the individual may still be capable of some functions.
  • Head injuries can be further categorized into acquired brain injury and traumatic brain injury.
  • Vision disability: common impairments include scratched cornea and diabetes related eye conditions.
  • Hearing disability: this includes those who are partially deaf.
  • Cognitive or learning disability: this includes conditions like dyslexia.
  • Psychological disorders like schizophrenia.
  • invisible disability: this type of disability cannot be explained; however, as of 2015, approximately 10 percent of Americans have been diagnosed with an invisible disability.
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