The ADA defines a disability, with respect to an individual, as a physical or mental impairment that substantially limits major life activities. This definition is reasonably open-ended, which means it often needs to be interpreted by the court system.
Insurance companies are not bound by the ADA definition of disability when creating an insurance policy but may use it as a starting point.
It is a good idea to carefully read the definition of long-term disability as defined by your policy. If it differs significantly from the ADA definition, your insurance company may be violating your rights. Your Reno long-term disability attorneys at Leverty & Associates Law Chartered will carefully examine the definition in the policy and compare it to your case.