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What Does Disability Insurance Cover? Physical & Mental Ailments

Updated: Jul 5, 2023

Disability insurance can provide coverage for a wide range of physical and mental disabilities. Here's a list of some common ailments for each category:

Physical Disabilities:

1. Musculoskeletal disorders (e.g., back pain, arthritis, fibromyalgia)

2. Neurological disorders (e.g., multiple sclerosis, Parkinson's disease, spinal cord injuries)

3. Chronic pain conditions (e.g., migraines, chronic fatigue syndrome)

4. Orthopedic injuries (e.g., fractures, joint replacements)

5. Visual impairments (e.g., blindness, partial vision loss)

6. Hearing impairments (e.g., deafness, hearing loss)

7. Respiratory disorders (e.g., asthma, chronic obstructive pulmonary disease)

8. Autoimmune disorders (e.g., lupus, rheumatoid arthritis)

9. Cardiovascular conditions (e.g., heart disease, stroke)

10. Cancer-related disabilities (e.g., after-effects of treatment, chemotherapy-induced disabilities)

Mental Disabilities:

1. Mood disorders (e.g., depression, bipolar disorder)

2. Anxiety disorders (e.g., generalized anxiety disorder, panic disorder)

3. Post-Traumatic Stress Disorder (PTSD)

4. Schizophrenia and other psychotic disorders

5. Obsessive-Compulsive Disorder (OCD)

6. Autism Spectrum Disorder (ASD)

7. Intellectual disabilities

8. Eating disorders (e.g., anorexia nervosa, bulimia)

9. Substance use disorders (e.g., alcoholism, drug addiction)

10. Attention Deficit Hyperactivity Disorder (ADHD)

It's important to note that this list is not exhaustive, and disability insurance coverage can extend to various other physical and mental conditions depending on the specific policy terms and conditions. When considering disability insurance, it's crucial to review the policy details to understand the scope of coverage and any specific exclusions that may apply.

Remember, disability insurance is designed to provide financial support and protection when you are unable to work due to a covered disability, whether physical or mental.

Schedule your free consultation today to review your options.

Nicole Marques


The information contained in these articles is for informational purposes only. The content of the article may contain errors or omissions for which Nicole Marques assumes no responsibility. Nicole Marques does not accept any responsibility for any special, direct, indirect, consequential, incidental, or any other damage arising out of or in connection with the information provided in this article. Nicole Marques reserves the right to make additions, deletions, or changes to the contents of the article at any time without notice.

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