What are the top causes of disability leave?

As a worker, you hope that you never have to make a short- or long-term disability claim. If you find yourself in this position, it means that you have been injured or become ill. Furthermore, it means that you are unable to work for a period of time.

It doesn’t matter if you have individual or group disability insurance. The only thing that matters is that you know your rights, including how to receive benefits without delay.

There are many reasons for making a disability claim. For example, here are the top causes of long term disability:

— Cancer

— Back or neck ailment

— Behavioral health concerns

Along with the above, short term disability claims also come to light from time to time. Some of the most common causes of this type of leave include maternity, injuries, pregnancy complications, and digestive disorders.

As you can see, some of these situations are more serious than others. For example, cancer is a life changing disease that could keep you away from your job for many months (or longer). Conversely, a pregnancy complication may not be as long lasting.

When you understand the top causes of disability leave, you can do your part in preventing a serious situation.

If you find yourself needing to make a short or long term disability claim, it’s important to know the process, including how to improve your chance of receiving benefits in the near future.

If you are denied benefits, don’t wait to learn more about the appeals process. This will help you get on the right track without any additional delay.

Source: HR Benefits Alert, “Insurer: Top 10 causes of disability leave,” accessed Aug. 01, 2016