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Discussing Some Common Reasons For Short-Term Disability Claims

Discussing Some Common Reasons For Short-Term Disability Claims

It can be stressful and frustrating to be unable to work due to an illness or injury. You might have to make a Short Term Disability claim to replace a portion of your lost income for a short period if your incapacity to work lasts longer than one or two weeks. However, are you aware of the causes of claims for short-term disability? In this blog, Disability Doc Online, USA, will discuss the common reasons that may make an individual eligible for getting Short Term Disability Insurance benefits. Understanding these medical conditions can provide peace of mind and financial support during challenging times. If you are looking for a reliable place to evaluate your disability claim and need help with disability certification, reach out to Disability Doc Online, USA today.

Disability Doc Online assists injured and disabled workers in California and Hawaii through licensed physicians who assess claims, consult with patients, perform online disability evaluations, complete insurance documentation and forms related to the patient’s injury or any type of temporary or long-term disability, and so on. If you are concerned about How To Get Temporary Disability benefits and want the best place for proper online Disability Evaluation, please contact us today.

Now let’s look at five leading causes for Short Term Disability claims:-

  • Pregnancy and Childbirth Complications
  • Surgeries and Recovery
  • Mental Health Issues
  • Back Injuries
  • Cardiovascular Disease 

Pregnancy and Childbirth Complications:

Complications from pregnancy and childbirth rank among the most common causes of short-term disability claims. People may be unable to work for days, weeks, or even months due to conditions like severe morning sickness, gestational diabetes, preeclampsia, difficult labor and delivery, and postpartum rehabilitation. 

Surgeries and Recovery:

Significant recovery times following surgeries are another major factor contributing to filing Short Term Disability claims. Orthopedic procedures like hip or knee replacements, spinal surgeries, hernia operations, organ transplants, and breast cancer-related mastectomies are a few examples. Doctor-ordered time constraints for recovery and rehabilitation can easily result in temporary job loss. 

Mental Health Issues:

An individual’s capacity to work may also be impacted by mental health issues such as severe anxiety, schizophrenia, bipolar disorder, or clinical depression. Side effects from medications or symptoms may worsen where temporary disability aid is needed. A claim may also arise from a hospitalization associated with a mental health crisis. 

Back Injuries:

Our backs enable us to stand, walk, sit, and lift – all functions that allow people to perform their occupations. So, it’s no surprise that back injuries comprise a substantial proportion of short-term disability claims. Two common culprits are herniated discs and sciatica pain radiating from the lower back. Even muscle sprains and strains can be agonizing. Attempting to work while dealing with acute back pain or injuries is often unrealistic. 

Cardiovascular Disease:

Lastly, various cardiovascular conditions can result in short-term impairments. Such conditions are heart attacks, coronary artery disease leading to bypass surgery, enlarged heart-related issues, cardiac device implants, and even high blood pressure. Doctor’s care plans may require lifestyle changes, medications, or procedure recoveries that prevent temporarily returning to work under certain physically demanding jobs. 

Final Words

Medical reasons for filing Short Term Disability claims are often not under someone’s control. Illness and injuries can happen unexpectedly. Understanding the most prevalent causes can help workers comprehend what these policies cover should they ever need temporary income replacement and job protection. Discussing options with employers and doctors can ensure proper paperwork and steps are taken. It helps to access benefits available during periods of impaired working ability. Good communication and prompt filing may lessen the financial stress of an inability to work while health, wellness, and recovery become the focus. If you need help with disability evaluation and want to complete Short Term Disability Insurance paperwork, contact Disability Doc Online, USA, today.

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