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If a disability for which benefits were payable ends but recurs because of the same or related causes no more than 90 days after the end of the prior disability, it will be considered a resumption of the prior disability. Under these circumstances there is no need to satisfy another elimination period.
These are the most common causes of long-term disability. They make up as much as a third of all disability cases. Arthritis is probably the biggest single cause. About 1 in 3 people say arthritis affects their ability to do their jobs in some way, according to the CDC.