Everyone experiences a depressed mood occasionally. We do not talk about the temporary depressive phrases here. But when you suffer from “medical depression,” it is a stern mental health condition that can restrict your ability to function normally. Depression is among the most frequent disabling conditions in modern society. “Can you get disability for anxiety and depression?” is a raging question among the families having someone with depression. Continue with this article to find out how Can you get disability for depression.
Anxiety is another common complication frequently associates with depression. Therefore, if you also have this burning question, “can you get disability for depression and anxiety?”, keep reading this article.
Can you get on disability for depression?
Ability to disability depends on several factors. The most significant factors are the symptoms’ severity, the effectiveness of treatment options, the strength of medical evidence, age, education level, and the type of work you have done. When your medical treatment records are more convincing, your claim is better for your claim to get approval. One challenge with depression claims is that if you suffer from depression symptoms, it can be challenging to follow the treatment regimens, make appointments, etc. This can hurt the credibility of your claim by limiting the availability of compelling medical evidence.
The chance to get a disability also depends on the type of insurance you have, Long term or Short-term disability insurance.
If you have short-term disability insurance, you might wonder can you get short-term disability for depression.
Employees may request short-term disability for anxiety disorder, depression, or other mental illness due to that stress. Still, the chance of getting approval is meager.
Private short-term disability insurance usually does not cover serious mental illness. The 24 months of payment are there for claims involving physical ailments or accidents.
There is a policy saying Benefits will not cover losses resulting from mental or emotional diseases or disorders of any sort.
Suppose you are suffering from clinical depression, bipolar disorder, or schizophrenia. In that case, it is better to look for long-term disability insurance. Long-term disability for depression and anxiety is has a better approval rate compared to a short-term one.
Having open communication with your doctors is the most crucial thing when filing a long-term disability claim for depression and anxiety disorders. Make sure to have appropriately documented stuff in the medical records. Ex: Examination findings, medication deviations, symptoms, side effects, and your reports on how those symptoms affect your ability to function.
Can I get disability for anxiety?
Several people claim they have anxiety, nervousness, or phobias, but their symptoms are unluckily due to modern, stressful life. To get qualified for Social Security disability benefits for anxiety, you must show that your symptoms are chronic. The duration should be at least 12 months. Symptoms must meet one of the specific medical diagnoses related to anxiety. They should severely impact your ability to function in everyday life. There is a list of requirements to identify anxiety disorders that prevents someone from doing any work. Your anxiety should fit into this list to get qualified for disability claims.
Some of the conditions are: –
- Unable to understand and remember instructions and learn new things.
- Unable to interact with others appropriately.
- The incapability of concentrating and persist in completing tasks.
- Unable to manage oneself like to cook, shop, pay bills and practice good hygiene.
Anxiety Disorders That Generally Qualify: –
- generalized persistent anxiety.
- Panic attacks.
- Obsessive-compulsive disorder.
- Post-traumatic stress disorder.
Can you get disability for being suicidal?
If you have pursued treatment for depression but still continue to encounter suicidal thoughts, you must consider claiming disability benefits. Suppose the thoughts of suicide are so influential that it creates a barrier for a job. In that case, the social security disability program may fit you.
All you have to do is fill and submit an application to the social security administration. They will evaluate your physical and mental limitations. If the conditions are crucial to prevent you from working, you will probably get a disability.
Is it hard to get disability for depression?
If you are wondering how hard is it to get disability for depression, we are sad to say it is not easy. The procedure for obtaining disability benefits for a mental health condition like depression or anxiety is not always straightforward. Insurance companies often make wrongful denials. Facing a mental illness is difficult enough without the extra stress of fighting the insurance company for disability benefits. Unfortunately, insurance companies are powerful bodies, and their own financial gain is what frequently motivates them.
To claim disability benefits, an individual with depression must meet certain specific disability criteria found in Social Security’s impairment listing manual. Or should have a medical-vocational allowance based on the severity of the depression and a combination of other impairments, age, work history, and level of education.
What kind of depression qualifies for disability?
Social Security publishes a list of common, stern illnesses that qualify for disability. The purpose of this list is to grant disability as soon as possible for severe impairments. Depression is in Social Security’s impairment listing 12.04. The Listing has a catalog of symptoms and a list of functional issues you must have.
First, to qualify for any disability benefits for depression, you must have severe depression at least with five of the following symptoms:
- depressed mood
- Decreased interest in almost all activities
- Appetite disturbance (poor appetite or overeating)
- sleep disturbance (insomnia or oversleeping)
- Difficulty in concentrating or thinking
- Feelings of worthlessness or guilt
- Thoughts of death or suicide
- Diminishing physical movement and reactions, including speech, and increased physical agitations
You need to have at least five of the above symptoms. Additionally, you must also fulfill “functional” criteria to demonstrate that you have a loss of abilities due to the mental disorder.
Usually, you must have a severe limitation in a minimum of one of the following criteria or a “marked” (seriously limiting) limitation in at least two.
- Understanding, remembering, or applying information.
- Interacting with others.
- Concentrating, persisting, or maintaining the rate of performing tasks.
- Adapting or managing oneself like cooking, paying bills, shopping, dressing, and practicing good hygiene.
Therefore, if your condition is severe and wondering can you get disability for severe depression, there will be a better chance of getting a disability.
If you are unable to show your functional limitations because you were living in a highly protected situation or undergoing intense therapy, do not worry. You can meet the second set of functional criteria. According to your medical documents, this is possible if your disorder is serious and persistent for over two years. Also, show that you lived in a highly structured setting and other treatment proofs that helped diminish the symptoms. You also must evident that you have the lowest potential to adapt to novel demands or changes in your environment.
This second set of criteria recognizes the people who may not show usual symptoms like social interactions or self-care. These people were living in highly supervised situations that made their functional abilities appear better than they would have been in real-life situations. This condition may change in life situations with stress and demands involved. That means their condition is “marginal,” and we can expect that they cannot perform the work if put in a real environment. In some cases, a person can meet this set of criteria by returning to work and failing.
Qualifying Outside of the Depression Listing
Fulfilling the requirements of the depression listing is only one way to receive approval for disability. There is another option!
Suppose Social Security concludes your depression is not severe enough to meet the Listing above. In that case, it will consider granting a “medical-vocational allowance.” Social Security will assess your depression symptoms’ effect on the ability to do any unskilled work by observing:
- Ability to carry out simple instructions.
- Ability to make simple work-related decisions.
- Capability to respond appropriately to supervision and co-workers.
- Ability to handle changes in routine.
If depression is the only impairment on your disability application, getting a disability will not be simple. Unless, of course, you have severe, disabling depression that qualifies under the Listing for depression. However, suppose you also have any physical impairment or another mental impairment with depression. In that case, you have a better chance of getting benefits.
If Social Security concludes that the effects of your depression/combined mental impairments make it impossible to work, you will get disability. If it concludes you have the mental capacity for unskilled work, but with a physical impairment that requires sit-down work, you may still have a chance. That is when you are not qualified to do any sit-down jobs.
Appealing for a Denied Benefits for Depression
If Social Security denied benefits, but you feel that your case is strong enough to win an appeal, contact a disability lawyer. Applicants who go to an appeal represented by a lawyer have a better approval rate than applicants representing themselves.
Can you get a disability check for anxiety and depression?
Of course, you can!
Social Security uses a 5-step evaluation process to determine whether you qualify to claim disability benefits under the SSDI and/or SSI programs. In each phase of a disability claim, there is a decision-maker.
Step 1- Non-Medical Criteria – First, they assess your working and earning level. You cannot be working more than what Social Security defines as a Substantial Gainful Activity (SGA) level. Essentially, you cannot be earning over $1,090 monthly.
Step 2- Severe Impairment – This step is to decide the severity of your symptoms. All medical evidence will be gathered to determine whether your losses are severe. If you are having an Attorney or Non-Attorney Representative, they can involve themselves heavily with this process.
Step 3- Medical Listings – Here, they seek answers for whether your chronic pain meets or equals the medical “Listing.” Social Security breaks down the human body and mind into 14 separate Impairment categories, called the Listing of Impairments. Depression claims will get evaluated under this Listing.
Step 4- Past Work – The objective of the 4th step is to determine whether you have the ability to perform or work as you performed previously. Examiner would determine your Residual Functional Capacity (RFC). RFC represents what your body and mind can do after considering the medical symptoms.
Step 5 – Other Work – Step 5 considers the possibility of you performing any other type of work that you have not tried in the past. The examiner uses the Residual Functional Capacity (RFC) developed in Step 4, your Age, Education, and Work Experience, to obtain results.
What benefits can I claim for depression and anxiety UK?
Any country has its own set of benefits for mental health issues. You can google the country to find resources and information. Apart from the Short-Term Disability (STD) and Long-Term Disability, there is another program called PIP in the UK.
PIP AKA “Personal Independence Payment” is a benefit many people have heard of but do not understand who it can help.
If you have living and/or mobility needs due to a mental health condition, you may be eligible for PIP. Here, you must consider making a claim to Department for Work and Pensions.
Not only that but also you can get between £23.60 and £151.40 per week if you are 16 or over and have not yet reached the State Pension age.
You can get the PIP payment every four weeks, and the amount is between £94.40 and £605.60 each month.
Conclusion: Will my disability claim be approved?
Social Security disability claims applied for depression necessitate extensive medical treatment and related medical evidence. Mental health claims also require a sound understanding of the above evaluation process and compelling medical evidence. If the medical evidence does not support the alleged severity, the claimant often will be less than credible. But with good knowledge of your conditions, treatments, claim processes, you would be able to get disability benefits. We would always advise getting expert consultation on this for a successful claim.