What Is Long-Term Disability?
Long-term disability is any severe impairment that prevents an employee from working or adversely affects their earning capacity for an extended period, usually months or years. This level of disability is usually caused by work-related Construction Accidents or dangerous work conditions.
It is not restricted to the loss of a bodily function or a body part, such as an amputation, vision, or hearing loss. But it could include any illness or conditions that make your previous work schedule unbearable or impossible, such as
Breathing difficulties or other respiratory conditions
Chronic back pain and other back injuries
The critical point here is not the nature of the disability but how long the disability lasts and the extent to which it affects your ability to earn a living.
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