Disability insurance companies don’t always make it easy for policyholders who have shoulder problems to get the disability benefits they deserve.
Your shoulder joint is made up of the collarbone (clavicle), shoulder blade (scapula) and the upper arm bone (humerus). It is anchored by muscles, tendons and ligaments that keep the ball of your arm in the socket and allow the shoulder to move.
The shoulder can become unstable and painful as a result of degenerative changes, overuse or injury.
However, not all shoulder problems are disabling.