The short answer to this question is yes, but there are reasons for that
answer. The most prominent reason is the method in which disability insurance
companies determine whether an individual is eligible for benefits based
on a medical condition.
Being disabled and having a disability that restricts someone from working are not necessarily the same claim in view of the legal requirements necessary to be determined disabled.
What this ultimately means is that some types of workers are not allowed benefits based on their primary duties at work and the level of physical difficulty they experience while performing their job tasks.
Sedentary Position Employees
Certain groups of workers can still function at work even though they have a physical disability. Management officials and office associates of all companies commonly fall into this class in most situations.
One criteria used to determine disability is whether a worker stands or sits while working and how long a disability may allow an individual to do either. Normally, insurance providers hold that sedentary workers must be unable to sit for more than six hours a day or stand for more than two hours continually.
Proving this job requirement cannot be performed is central to the approval of a benefits claim. Winning approval will usually require retaining an experienced disability insurance attorney who understands how to build a case that has an increased chance of being approved according to established determination rules.
Manual Labor Positions
Work history is an important tool for a disability attorney to use when a client is filing for disability benefits. Repetitive motion injuries are common in industrial employment fields that require employees to be steadily moving. Shoulders and hands can develop physical problems over the years, often resulting in rotator cuff problems and carpel tunnel syndrome.
Back injuries are also another primary injury type that can result in long-term disability, as ability to lift objects of significant weight is also a primary consideration when processing a disability claim.
It is important to understand that a disability claim is not a claim of total physical inability to work. It is a claim that a disability prevents the claimant from doing the type of work they have historically performed to earn a living.
This means that certain employment fields such as construction workers will often be easier claims to win than a claim of disability by a sedentary worker who can still perform their job duties acceptably for an employer.
This is why it’s so important to retain an experienced disability insurance lawyer like the legal professionals at Dabdoub Law Firm who understand what to anticipate and how to craft a case to pursue a successful disability claim.