While physical disabilities may be the most prominently known, there are a few other classifications of disabilities, in which even cluster headaches and frequent migraines are also considered a disability. Because of the broad categories of disabilities, disability insurance policy owners often are not entirely sure when they can claim from their policy and what they are covered for by your policy.
So if you have disability cover, you should understand both the policy details and all the different classifications of disability. This will ensure that you can claim from the policy when you need it most. Here are the five different categories of disability.
Mental Health Disabilities
Claiming for mental health disabilities is often slightly more tricky than other classifications, as even cluster headaches can signal mental health restrictions. It is best to consider a disability lawyer to assist with any claims. You can claim disability benefits for mental health conditions that include frequent migraines, personality disorders, schizophrenia, mood disorders such as depression, eating disorders, and organic brain disorders, including stroke and dementia.
Learning Disabilities
Learning disabilities refer to persistent disorders of the central nervous system that impair the learning process. This classification of disability is most commonly detected during early education. However, it is not uncommon for working adults to discover they have a learning disability that hinders their ability to perform at work.
Hearing Disabilities
DeafBlind, Deaf, deafened, and hard of hearing are all hearing disabilities caused by several factors. However, you can claim disability insurance if you experience hearing loss due to genetic reasons or external factors. Even if your hearing loss is minor yet affecting your ability to get through each day, you can claim benefits.
Visual Disabilities
Disabilities that impair a person’s ability to see are visual disabilities. Even in cases of partial blindness, cataracts, diabetes, and others such as progressive blindness, disability policyholders should claim to cover treatment that could help them regain their vision. Cataracts are a common and treatable condition that causes blurry vision, so claiming from your policy can help you cover the treatment, time lost at work, and other expenses.
Physical Disabilities
Physical disabilities cover a wide variety of disabilities that impair a person’s physical abilities. Conditions that are generally present from birth or early ages, such as cerebral palsy, multiple sclerosis, and spina bifida, are genetic conditions. On the other hand, other physical disabilities that can be claimed include chronic fatigue syndrome, chronic pain conditions, and even the development of age-related conditions such as arthritis.
Claiming from a disability insurance policy can be tricky, as insurers are known to reject claims for various nonsensical reasons. However, by relying on the professional expertise of a disability insurance lawyer, you will be able to claim your disability payout. Even if you have medical records that prove an injury resulted in your disability, your insurer may still reject your claim. What’s more, if you have endured a work-related injury that led to your disability, you can claim from your employers’ workers’ comp policy for compensation as well.
