Conditions affecting bones, joints, muscles, ligaments, tendons
Spine problems (like herniated discs, spinal stenosis), major joint issues (hips, knees), complex or non-healing fractures, amputations, soft tissue injuries needing ongoing surgery.
Medical proof (like X-rays, MRIs, doctor reports) showing a diagnosed condition. Evidence that it severely limits your ability to work (e.g., needing a walker/wheelchair, unable to use hands/arms effectively for work tasks). The limitation must last or be expected to last at least 12 months.