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Six Common Causes Of Long-Term Disabilities Among Young Adults


Long-term disabilities are often associated with older adults. They can happen due to decades of performing strenuous job-related tasks and common health concerns that often go along with aging. The idea that young people are immune, though, is a myth. The following are six common causes of disability among young adults that could prompt the need for long-term disability (LTD) benefits. 

Long-Term Disabilities Common In Your 20s or 30s 

Long-term disabilities involve any type of physical, mental, or cognitive condition that prevents you from working and is expected to last for a year or longer. The Social Security Administration (SSA) warns that one out of every four young adults will eventually suffer from some type of long-term disability prior to reaching retirement age. While these are more likely to happen as you get older, the following are six common issues that can impact people in their 20s or 30s:

  1. Accidental Injuries

The World Health Organization (WHO) advises that accidental injuries are the number one threat among young people. They are a leading cause of death and in non-fatal accidents, can leave victims suffering from long-term disabilities. Among the most common causes include car accidents, slips and falls, and injuries that occur while engaged in sports or recreational activities.

  1. Acts of Violence

The U.S Department of Justice reports that young people are among the most frequent victims of violent crimes. Aggravated assault, rape or sexual abuse, gun violence, and armed theft are among the most common types of crimes committed against people in their 20s and 30s. Injuries suffered due to a crime can cause long-term disabilities.

  1. Chronic Illnesses

Genetic conditions and acquired illnesses, such as HIV, hepatitis, respiratory diseases, or even long-haul COVID, can leave young people unable to work on a long-term basis.

  1. Mental Health Issues

Depression, anxiety disorders, post-traumatic stress, and other mental health conditions, such as bipolar disorder or schizophrenia, can impact young people and may prevent them from working.

  1. Drug and/or Alcohol Addiction

Long-term disability insurance, which is available through many employers and covered under the Employee Retirement Income Security Act ( ERISA), may provide benefits for alcoholism and drug abuse.

  1. Repetitive Stress Injuries

These can happen due to overuse and performing the same types of tasks over and over. They impact muscles, tendons, and other soft tissues and are a common cause of both short and long-term disabilities among young people.

Unable To Work? Contact Our Florida Long Term Disability Attorney 

Long-term disabilities can impact your ability to provide for yourself, affecting your financial security for years into the future. Young people are just as likely to suffer disabilities as their older counterparts and have the same rights when it comes to obtaining long-term disability benefits.

If you are unable to work or suffer a condition that could impact your ability to perform your job in the future, reach out to Farrell Disability Law. Call or contact our Orlando long-term disability attorney online to request a consultation in our office today.

Farrell Disability Law is located in Jacksonville, FL and serves clients throughout Florida, including Jacksonville Beach, Jacksonville, Atlantic Beach, Orange Park, Doctors Inlet, Neptune Beach, Callahan, Bryceville, Middleburg, Fernandina Beach, Clay County, Duval County and Nassau County.


2319 Oak Street
Jacksonville, Florida
Phone: 904-388-8870 Primary: 904-388-8870 Fax: 904-339-9590


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Orlando, Florida 32801
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