Various forms Of Disability


Disability is a very broad term that includes a number of physical and mental impairments or handicaps. Disabilities in a number of cases prevent the individual from carrying out useful and productive jobs.

From the standpoint of insurance and disability benefits, there are two types of disability. These are short-term disability (STD) and long-term disability (LTD).

Short-term disability includes certain conditions that are temporary in nature and last up to a period of two years. Long-term disabilities are conditions that take last for longer than two years. However, both these types of disabilities may have different meanings and implications depending on the context in which they are used.

Disabilities are usually as a result of accidents, illness or congenital physical or mental condition.

Let us take a look at just a few the types of disabilities

Cognitive or learning related disabilities
Cognitive disabilities are disabilities that are since birth and impair the learning process of an individual in a particular way. Examples of such disabilities are dyslexia and Dysgraphia.

Vision related disabilities
Impaired vision and blindness are two conditions that usually render an individual incapable of performing normal tasks.

Disabilities due to auditory impairment
Impaired hearing or deafness prevents an individual from functioning normally. People with this disability require hearing aids, cochlear implants and need to communicate in sigh language.

Disabilities related to impaired motor reflexes
Poor muscular co-ordination and motor reflexes are also a major reason for disability. This condition is usually congenital and requires specialized care and handling.

Disabilities related to accidents
Accidents are a major cause of disabilities. As per statistics, the number of people disabled due to accidents in the US is much higher than the number of people disabled due to old age.

Illness
There are a number of illnesses both congenital and acquired that either are a form of disability or are likely to result in disability. A few examples are cystic fibrosis, epilepsy, cerebral palsy and diabetic retinopathy.