In a long-term disability claim, non-exertional limitations refer to physical or mental restrictions or limitations that affect an individual’s ability to work, but do not relate to their ability to lift, carry, push, or pull objects or perform other physical tasks.
Non-exertional limitations may include restrictions on an individual’s ability to:
- Stand or sit for extended periods of time
- Bend, stoop, or reach
- Use their hands or arms for fine motor tasks
- Focus or concentrate for long periods of time
- Communicate effectively with others
- Work in certain environmental conditions, such as noise or temperature
Non-exertional limitations may be caused by a variety of conditions, including mental health disorders, chronic pain, and neurological conditions. These limitations can significantly impact an individual’s ability to work and earn a living.
When evaluating a long-term disability claim, non-exertional limitations are taken into account along with any exertional limitations to determine an individual’s overall ability to perform work-related tasks. Insurance companies may consider a variety of factors when evaluating non-exertional limitations, such as medical records, work history, and the opinions of medical experts.