Does Disability Insurance Cover Musculoskeletal Conditions?

Get the Facts on Disability Coverage

If you suffer from a musculoskeletal condition, every day can be an uphill battle. Because these disorders make it difficult to perform even routine tasks, you may need to file a disability claim to provide for yourself if you are unable to maintain steady employment. In this case, how do you determine whether your specific condition is eligible for coverage?

Fortunately, our team of skilled attorneys at DarrasLaw can explain to you how disability claims work. We apply our experience in this area of law to provide you with a comprehensive, personalized perspective on your situation.

What Are Musculoskeletal Conditions?

Musculoskeletal conditions can be difficult for medical professionals to categorize. You may experience joint stiffness, aches, swelling and musculoskeletal pain that may involve numerous areas of your body, including:

  • Shoulders, arms, elbows, hands, wrists or fingers
  • Hips, legs, knees, ankles, feet or toes
  • Neck, back or lower back

These symptoms can impede your performance of everyday activities and greatly diminish your quality of life.

What Causes Musculoskeletal Pain?

As you age, your joints and bones naturally wear down, and this can lead to a musculoskeletal condition. Problems can also rise due to the type of job you hold, especially if you are usually in a stationary position, or you engage in repetitive movements such as lifting or pushing heavy objects. Additionally, if you are an active participant in sports, the exertion on parts of your body could suffer damage over time and lead to pain in the musculoskeletal system.

Is My Disability Covered?

Determining the coverage of your musculoskeletal disorder entails a few considerations. A policy that your employer provides may have different coverage than one you have purchased for yourself. The differences between these types of policies may determine whether your illness is covered. Disability coverage policies also are available with long- or short-term benefits. In the case of musculoskeletal disorders, you may be looking at a protracted treatment period, which would necessitate extended disability coverage.

How Can DarrasLaw Help?

Our team of qualified lawyers is poised to help you understand the details of your disability case and assist you in filing and defending your claim. Contact our friendly and knowledgeable staff by calling 800-458-4577, or make use of our convenient contact form to discuss your case. We help clients across the nation in the fight against Big Insurance.