Insurance companies all have different definitions of disability. Qualifying conditions may change from insurer to insurer, plan to plan and case to case. These conditions are defined as conditions that would prevent a worker from being able to perform their job.  Among others, qualifying conditions include: Amyotrophic Lateral Sclerosis (ALS) An accident occurring on the job Cancers Cardiovascular disease and stroke Chronic fatigue syndrome Early-onset Alzheimer's Disease Idiopathic Pulmonary Fibrosis (IPF) Injuries affecting the body, including the back and the brain Huntington's Chorea Disease Gastrointestinal issues such as Crohn’s disease, irritable bowel syndrome and colitis Loss of hearing Loss of vision Mental health issues, such as anxiety, depression and bipolar disease  Multiple sclerosis Parkinson's Disease Post-traumatic stress disorder Post-inflammatory Pulmonary Fibrosis/Interstitial (Non-idiopathic) Pulmonary Fibrosis Progressive Polyneuropathy Seizures Many of the above conditions also qualify for critical illness insurance policies, which provide a one-time payout instead of an ongoing income replacement. Learn more about the two types of insurance compare to our critical illness vs disability insurance guide.