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Condition Guide database

Condition Claim Guides

How specific diagnoses are actually evaluated for disability claims — the objective evidence insurers look for and the documentation that moves each condition from contested to approved.

Cardiac 1 Mental health 1 Musculoskeletal 1 Neurological 1 Oncology 1 Reproductive 1
Condition Guide

Long COVID / post-viral fatigue: Documentation That Wins a Disability Claim

Long COVID / post-viral fatigue claims: evidence needed — excluded conditions ruling + pulmonary/cognitive testing. Typical outcome: highly contested.

Condition Long COVID / post-viral fatigueKey evidence Excluded conditions ruling + pulmonary/cognitive testingTypical outcome Highly contested
Condition Guide

Mental health conditions: Documentation That Wins a Disability Claim

Mental health conditions claims: evidence needed — psychiatry history + medication trials + hospitalization records. Typical outcome: capped at 24 months on most policies.

Condition Mental health conditionsKey evidence Psychiatry history + medication trials + hospitalization recordsTypical outcome Capped at 24 months on most policies
Condition Guide

Heart attack / cardiac event: Documentation That Wins a Disability Claim

Heart attack / cardiac event claims: evidence needed — cardiology records + ejection fraction + stress test. Typical outcome: approved short-term; long-term contested.

Condition Heart attack / cardiac eventKey evidence Cardiology records + ejection fraction + stress testTypical outcome Approved short-term; long-term contested
Condition Guide

Cancer (active treatment): Documentation That Wins a Disability Claim

Cancer (active treatment) claims: evidence needed — oncology records + treatment schedule. Typical outcome: approved during active treatment.

Condition Cancer (active treatment)Key evidence Oncology records + treatment scheduleTypical outcome Approved during active treatment
Condition Guide

Chronic back pain: Documentation That Wins a Disability Claim

Chronic back pain claims: evidence needed — imaging + consistent treatment history + functional testing. Typical outcome: contested without objective findings.

Condition Chronic back painKey evidence Imaging + consistent treatment history + functional testingTypical outcome Contested without objective findings
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