August 17, 2022

How can a long-term disability affect your life?

Living with a long-term disability can be challenging. Long-term disability includes any impairment of the functioning of the body and the structure that leads to limitations in performing daily activities. People with disabilities go through a lot of challenges like low-quality healthcare, less preventive care, chronic illnesses, loss of income, medical bills, etc. These people are prone to fall below the federal poverty line. Living with a long-term disability takes a toll on you and affects you mentally and physically. In such a case, being aware of the conditions that qualify for LTD can be helpful. Due to this reason, most people shy away from participating fully in work, school, housework, or other activities. 

Long-term disability can affect your life in the following ways:-

Accessibility: The world around is not a cakewalk for long-term disabled people. They cannot move around freely like normal people. They need some form of support to get through their daily chores. Also, the public infrastructure for disabled people is not properly established throughout the country. It still needs a lot of improvement. Also, some of them do not have access to good-quality wheelchairs, crutches, or prosthetics. 

Access to quality healthcare: People with long-term disabilities still do not have access to quality healthcare at affordable rates. As they already rely on social security benefits, they cannot spend all their money on expensive medical care. Most of them suffer further illness as they ignore going to the hospital. 

Social isolation: Disability barriers lead to long-term disabled people living a life of social isolation. Facing isolation has its own health risks. This physical and social isolation leads to depression and anxiety. As their opportunities for social interaction become smaller and smaller, it puts them under a lot of emotional stress and affects their mental health. 

Fear of poverty: Many long-term disabled people live in constant fear of ending up in poverty. Living with a long-term disability can be quite expensive. There is constant spending on medical care, medication, healthcare visits, use of adaptive devices, in-home personal assistance, etc. This puts you under financial stress that you might run out of money soon. 

Lack of community-based support: Many people with long-term disabilities want to live in a community-based setting rather than an institutional one. Due to an underdeveloped community-based care system, these people are discriminated against and are left to live in clinical settings. This clearly shows that they suffer due to a lack of empathy and respect from the community. 

To avoid the above complications and live a respectable and happy life, people with long-term disabilities should make sure they are getting the right benefits and claims from insurance providers. With community support and monetary benefits from the government, you can get your life back on track. 

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