The term LTD (long term disability) refers to a patient’s health condition when the patient is physically, mentally or emotionally not able to work. This may happen due to some health issues, disease, an absence of limbs or any other body part. However, there are long term disabilities in people like blindness, deafness, partially paralysed, an absence of limbs etc in with which people may work. Usually, the long – term disability would last for 12 months or more and is likely to be life – threatening for the patient or be disabled for a long period of time or forever.

What is the difference between STD (short term disability) & LTD (long term disability) ?

STD (short term disability) refers to illness or injury that can be cured and has not done major damage to the patient’s health. In STD (short term disability) patients are eligible for some portion of their income for a definite period of time. Some common short-term disabilities are prolonged illness, an injury that is treatable, maternity period etc.

The major difference between short term disability and long-term disability is that patients with STD are likely to recover completely but patients with LTD may either have a threat to their life or may suffer for the lifetime.

Here is a brief list of medical conditions that qualify for LTD (Long term disability)

Mental illness –

This would include all the mental illness or disorders like anxiety, deep depression, autism, retardation, memory loss, schizophrenia, etc

Physical illness –

Physical illness would include all disease, limbs damage; neurological issue etc. let us discuss some of them.

  • Cancer
  • Bone marrow failure
  • Multi – organ failure
  • AIDS / HIV
  • Neurological disorders
  • Respiratory issues like lungs damages, bronchitis etc
  • Heart issues like artery blockage, heart attack, a hole in the heart etc
  • Limbs damage due to disease, injury or accident.
  • Kidney damage or Kidney failure or Kidney disease
  • Skin disease that may qualify for LTD would be ichthyosis, dermatitis, chronic skin infection skin cancer etc.
  • Pancreases damage or pancreatic attack.
  • Insomnia
  • Eye – sight loss, vision damage, retina damage etc
  • Hearing damage / loss, eardrum damage.
  • Asthma or other respiratory issues.
  • Back/spinal injury
  • Bipolar disorder
  • Head, skull or brain injury, illness or damage.
  • Cerebral palsy
  • Chronic or acute pain and disease
  • Irritable bowel syndrome ( IBS )
  • Knee disorder, Knee damage
  • Leukaemia
  • Osteoarthritis
  • Post – traumatic stress disorder ( PTSD )
  • Speech disorder

 

Since this list is just a brief version, not the complete one. It is actually far from the complete list of medical conditions that may qualify for long term disability. Other than the list of qualifying medical conditions for Long term disability, patients can also look out for STD (short term disability) list and seek benefits out of it.