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You are here: Home / Practice Areas / Long Term Disability & ERISA Attorney / Long Term Disability Glossary of Key Terms in a Policy / “Residual Functional Capacity” in a Long Term Disability Insurance Claim

“Residual Functional Capacity” in a Long Term Disability Insurance Claim

Residual functional capacity (RFC) in a long-term disability claim refers to the individual’s ability to perform work-related activities despite their impairments or limitations resulting from a medical condition. In other words, it is a measure of what an individual is still able to do, rather than what they are unable to do.

RFC assessments are often used in long-term disability claims to determine an individual’s eligibility for disability benefits. The assessment typically takes into account various factors, including the individual’s medical history, clinical findings, and the opinions of treating physicians and medical experts.

An RFC assessment may consider factors such as the individual’s ability to:

  • Lift and carry objects of varying weights
  • Stand, walk, and sit for extended periods
  • Reach, handle, and manipulate objects
  • Understand and carry out instructions
  • Interact with coworkers and supervisors
  • Maintain concentration and attention
  • Adapt to changes in the work environment

The RFC assessment may be used to determine whether an individual is able to perform their own occupation, any occupation for which they are qualified, or whether they are totally disabled and unable to perform any work.

RFC in Terms of Exertional Levels

Residual functional capacity (RFC) in terms of sedentary, light, medium, heavy, and very heavy refers to the individual’s functional capacity to perform work at different exertional levels, based on the physical demands of the work.

Sedentary work: This refers to work that primarily involves sitting, with occasional standing and walking. Sedentary work requires the ability to lift up to 10 pounds occasionally and minimal amounts of force to move objects.

Light work: This refers to work that involves standing or walking for most of the day, with some lifting and carrying of objects weighing up to 20 pounds occasionally and up to 10 pounds frequently.

Medium work: This refers to work that involves standing or walking for most of the day, with frequent lifting and carrying of objects weighing up to 50 pounds and occasional lifting of up to 100 pounds.

Heavy work: This refers to work that involves standing or walking for most of the day, with frequent lifting and carrying of objects weighing up to 100 pounds and occasional lifting of up to 200 pounds.

Very heavy work: This refers to work that involves standing or walking for most of the day, with frequent lifting and carrying of objects weighing over 100 pounds and occasional lifting of up to 300 pounds.

An RFC assessment in terms of exertional levels may be used to determine an individual’s ability to perform work at different levels of physical exertion, and to identify any limitations or restrictions that may affect their ability to perform specific types of work. The assessment may take into account the individual’s medical condition, age, education, and work experience, among other factors. The results of the RFC assessment can help determine the individual’s eligibility for disability benefits, as well as the amount and type of benefits that may be available to them.

RFC assessments are typically conducted by medical professionals, such as physicians, psychologists, or occupational therapists, and are often required by insurance companies and government agencies when evaluating a long-term disability claim. It is important to have accurate and thorough medical records and evaluations to support the RFC assessment and increase the chances of a successful long-term disability claim.

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