Technically, there are no medical conditions that automatically qualify you for disability benefits.  However, there are many common disabilities that people will make a claim for on their disability insurance policy, often resulting in coverage.   Of course, when you are picking the right policy based on your needs, you should review the common disabilities and conditions associated with the insurance policy so you can get a sense for what might be considered a qualifying disability in the event the situation arises. That will need to be clearly documented on the statement that is provided as part of the claims process.  If you’re looking to file a claim for coverage, then your healthcare providers will not be able to provide any disability benefits even though they will cover the cost (based on your health plan details) for the treatment of the conditions that are causing the disability. It’s important to understand the difference. That said, here is a typical list of medical conditions that are commonly associated with being covered by disability insurance policies. We’re listing them so you can get a good sense of the types of conditions that are typically claimed for and covered. But make sure you read the fine print of your policy. Cardiovascular disorders such as chronic heart failure or a heart attack Musculoskeletal disorders including joint, spine, and bone injuries Senses and speech disorders including those related to vision Skin conditions such as burns, dermatitis, chronic infections Respiratory or breathing disorders including asthma, emphysema, and chronic bronchitis. Digestive system issues such as liver conditions and bowel inflammation Endocrine disorders including those related to glands including thyroid and pituitary gland disorders Genitourinary disorders including genital organs and urinary illnesses Neurological conditions such as brain tumors (even if benign), and also epilepsy Hematological disorders including blood conditions Mental conditions such as depression, anxiety and bipolar disorder Cancer including breast cancer, lung cancer, skin cancer, or colorectal cancer Immunodeficiency disorders including HIV, or lupus