Invisible disabilities can also include chronic illnesses such as renal failure, diabetes, and sleep disorders if those diseases significantly impair normal activities of daily living. If a medical condition does not impair normal activities, then it is not considered a disability.

What is not covered under disability?

An individual with epilepsy, paralysis, a substantial hearing or visual impairment, mental retardation, or a learning disability would be covered, but an individual with a minor, nonchronic condition of short duration, such as a sprain, infection, or broken limb, generally would not be covered.

What conditions does disability insurance cover?

Disability insurance may cover everything from total disability to rehabilitation and even the short period after you recover from your disability. Some policies also offer partial disability coverage and coverage for presumptive disabilities.

Whats the politically correct term for disabled?

Term Now Used: disabled person, person with a disability. Term no longer in use: the handicapped. Term Now Used: disabled person, person with a disability. Term no longer in use: mental handicap.