Long-Term Disability by Condition | What Evidence Wins | Disability Answers

How to build a long-term disability claim for back pain, MS, brain injury, heart disease, depression, and other conditions: the evidence insurers look for and how to document it.

  • Neck and Shoulder Pain

    Insurers often treat neck and shoulder problems as a reason you cannot do heavy work, and nothing more. “Sedentary work,” they say, “doesn’t require lifting.” But desk jobs…

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  • Interstitial Cystitis

    Interstitial cystitis, also called bladder pain syndrome, is chronic bladder pain and pressure combined with urgent, frequent urination, often day and night. At its worst, it means planning…

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  • Knee Pain

    A bad knee can end a career on your feet: nursing, teaching, retail, construction, warehouse work, anything with standing, walking, climbing, or kneeling. Long-term disability insurers usually accept…

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  • Carpal Tunnel Syndrome

    Insurance companies tend to see carpal tunnel syndrome as a minor problem with a simple fix: a short surgery and a few weeks off. For some people that…

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  • Neck and Shoulder Pain

    Insurers often treat neck and shoulder problems as a reason you cannot do heavy work, and nothing more. “Sedentary work,” they say, “doesn’t require lifting.” But desk jobs…

    Read more

  • Depression, Anxiety, and PTSD

    Severe depression, anxiety, and PTSD can make work impossible. You cannot concentrate, you cannot get out of bed some days, panic hits without warning, or a reminder of…

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