How Can I Apply For Disability Under Ssa
To be eligible for SSDI, you must first have paid into Social Security through a past job long enough to accrue credits.
Credit requirements for benefits change annually. As of 2021, you need an average of 40 credits to receive SSDI disability benefits for depression.
You can earn only 4 credits every year. Most people may need to work an average of 10 years at a job paying into Social Security to apply for SSDI.
SSI has less demanding requirements because its designed to help you meet basic income needs for clothing, food, or housing.
To qualify for SSI, you must:
- live with a disability or be at least age 65
- have limited income
- have limited resources
- be a U.S. citizen, U.S. national, or qualified noncitizen
- reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands
Other Ways To Qualify For Disability For Depression
Meeting the requirements of the clinical depression listing, above, isn’t the only way to receive an approval for disability . If Social Security finds that your depression isn’t severe enough to meet the listing above, the agency will determine if you can be approved for benefits by being granted a “medical-vocational allowance.” Social Security will consider how your depression symptoms affect your ability to do any type of unskilled work, by looking at your ability to:
- carry out simple instructions
- respond appropriately to supervision and to co-workers, and
- handle changes in routine.
Social Security will then give you a rating of the type of work it thinks you can do .
If depression is the only impairment you listed on the disability application, getting disability will be a long shot unless you have severe, disabling depression and can qualify under the listing for depression. But if you also have a physical impairment or another mental impairment along with depression, you have a better chance of getting benefits.
Rule 4# Improvement In Mental Depression
Upon improving mental health, the SSDI and SSI benefits will automatically be stopped, but that does not necessarily mean it is done. The social security department will periodically view your condition, usually every 3 to 7 years, to determine your disability. Around 85 % of all beneficiaries continue to receive the benefits even after recovery. The appointment of a disability attorney can help ease the process of securing SSID benefits.
You can qualify for health insurance by Medicaid, a federal government program that works with low-income earners. The health insurance is after at least two years of having the SSDI, but you can apply for the health insurance after a month of receiving SSDI payments. Depression resistance to treatment will most definitely lead to a disability.
The disability qualifies you to apply for financial support to supplement your lost income source and possibly health insurance. The payments may range from about $600-$1300 monthly, depending on how much you had been paying to the program.
Depression is currently a common illness worldwide, with over 264 million people affected. People of all ages can suffer from depression, depending on their environmental and genetic factors. Women tend to be more affected compared to men. Chronic levels of depression can lead to suicidal attempts.
Get yourself treated for clinical depression. Click the button below to book your appointment.
Don’t Miss: Social S3curity
What Is Social Assistance
Social Security Disability Insurance and Supplemental Security Income are the two largest governmental programs that provide financial assistance to people who have disabilities.
SSDI pays money to you and certain family members if you are insured. SSI pays money to adults and children whose income is limited due to a disability.
You provide the Social Security Administration with information on your disability when you apply for either program. According to the SSA, a disability is characterized by the following criteria:
- You cannot do work that you did before because of your medical condition.
- You cannot adjust to other work because of your medical condition.
- Your disability has lasted or is expected to last for at least one year or to result in death.
For those with social anxiety disorder who are unable to work due to their condition, the SSA may be able to help financially support you.
Your Depression Disability Case
If you are disabled because of Depression that prevents you from working, you may well be entitled to Social Security Disability benefits. Although you must meet stringent requirements in order to receive total disability based on a diagnosis of, working closely with medical professionals and a qualified Social Security disability attorney or advocate to collect and present the appropriate documentation can ensure that your Depression disability claim will have the best possible chance of success.
Also Check: Get Social Security Early
Anxiety Disability Claim Depression Disability Claim We Are Here To Help
The long-term disability claim process is complex and can be very difficult to navigate on your own, especially when your life is already disrupted by the effects of anxiety or depression. If you are considering making an anxiety disability claim or a depression disability claim, have already started the claims process, or your long-term disability claim application has been denied, Ludwar Law Firm can help you. With over 25 years of experience handling long-term disability claims for depression and anxiety, Ludwar Law Firm stands out above the rest. Clients of our Calgary-based law firm from all over Alberta and Saskatchewan appreciate being able to talk to people who can explain the process, their options, and what will happen during their claim. Contact us today to schedule your free consultation.
Ludwar Law Firm
Long Term Disability Benefits For Anxiety
Disability claims based on anxiety may be met with skepticism from insurance companies. Due to its subjective nature, severe anxiety is often misunderstood or minimized. If your long-term disability claim was denied, we will develop your case to be in the absolute best position to win on appeal.
Insurance claims examiners routinely deny disability benefits for anxiety due to a lack of objective medical evidence and insufficient treatment history. Insurers may also be quick to undermine a claimants credibility, taking the view that a claimant is malingering, meaning someone is faking or exaggerating their symptoms.
Most claimants who suffer from anxiety and other mental health challenges dont know that most group disability policies and many individual policies will limit all mental disorders to two years of benefits. If benefits are granted, insurers will use the mental/nervous limitation to terminate benefits.
Dont Miss: What Does 100 Disabled Mean
Recommended Reading: Social Sekurity
Can You Get Disability For Generalized Anxiety
Not all cases of anxiety are severe enough to make an individual eligible for Social Security disability benefits. Disability benefits are available only to those who suffer a severe and “marked” impact on their lives as a result of their disability. For example, a person with moderate anxiety who can still shower and get dressed every day and go grocery shopping and cook meals is probably not going to be eligible for benefits. On the other hand, individuals who experience significant interference with their ability to concentrate, to leave the house for errands, or do other normal daily activities may be able to qualify.
In addition to the requirement that the anxiety is sufficiently severe, the SSA also requires that the disability be a long-term one. This means someone’s inability to work due to anxiety must have lasted 12 months at the time of the application, or it must be expected to last for 12 months.
The SSA provides guidance as to how severe someone’s anxieties or fears must be to make that person eligible for benefits. This guidance is found in the SSA’s listing of impairments, which is a list of covered disabilities. The listing provides details on the symptoms and limitations a person must have for a particular disability to be considered disabling.
Working While Receiving Benefits
If you feel that your situation has changed and you would like to try working again, you will not lose your rights to benefits. In fact, you might have access to additional support.
You may even be able to get help paying for work expenses and vocational training. Given the highly treatable nature of SAD, the offer can be a great incentive to return to the workforce if and when you feel ready.
If you or a loved one are struggling with anxiety, contact the Substance Abuse and Mental Health Services Administration National Helpline at 1-800-662-4357 for information on support and treatment facilities in your area.
For more mental health resources, see our National Helpline Database.
Read Also: Claiming Social Security Early
Social Security Has A List Of Criteria You Must Fulfill To Qualify For Disability Benefits For Depression
By Bethany K. Laurence, Attorney
Depression can be so disruptive to a person’s life that it interferes with everyday life and makes it impossible to work. If your depression is so severe, even with antidepressive medication, that you can’t work any type of job, you may be able to qualify for Social Security disability benefits. Your condition will have to be well documented as well as severely debilitatingit must affect your ability to function socially, concentrate, and/or manage the tasks of daily living. And you must have been diagnosed with depression that is persistent , even though you may not be continuously depressed .
To qualify for disability benefits for depression, your condition must be severe enough to meet requirements the Social Security Administration has set out in its impairment listing on depressive disorders OR it must interfere with your functioning to such an extent that the SSA agrees that there are no jobs that you can do.
Reasons Why Regular Mental Health Treatment Is Critical To A Disability Case
The Social Security Administration will consider any mental disorders when making a disability determination. Sometimes, individuals were born with mental disorders. Others are the result of a specific trauma. For example, someone can be considered disabled if IQ testing shows a very low score. Likewise, someone can be considered disabled if a traumatic brain injury makes that person unable to sustain the concentration and focus necessary to work.
Frequently, however, severe problems with mood and/or anxiety can develop over time, and can also leave an individual incapable of gainful employment. Mood problems generally involve depression, manic behavior, or the combination of both that is seen in bipolar disorder. Anxiety can be generalized or manifested with obsessive-compulsive disorder, post-traumatic stress disorder, or various other specific phobias. Many times, it can make a person unable to function outside the home. Disability cases based on mood or anxiety disorders can present unique challenges. The best way to address these challenges is to participate in regular mental health treatment, which usually involves counseling and medication management. Here are 5 reasons why:
Recommended Reading: What Can You Earn While On Social Security
Medically Qualifying For Benefits With Depression
Qualifying for disability benefits with depression and other forms of mental illness is notoriously difficult. This is because the SSA has strict standards for how severe mental illness must be in order to meet medical eligibility requirements.
The SSA measures your symptoms and medical records against information found in the Blue Book. The Blue Book is found online and depression is evaluated under the listing in Section 12.04. This listing requires you suffer from at least four of the following symptoms:
- Disinterest or a lack of pleasure in life and most activities
- Consistently low levels of energy or endurance
- Sleep issues, which may include oversleeping or insomnia
- Trouble concentrating or thinking clearly
- Persistent feelings of guilt or worthlessness
- Hallucinations, delusions, or paranoia
- Suicidal thoughts or tendencies
In addition, your depression symptoms must cause you to experience pronounced issues with at least two of the following:
- Functioning socially,
- Focusing, remaining on task, or completing activities,
- Performing everyday actions or activities of daily living,
- Periods of worsening symptoms, which must be lengthy and repeated
The SSA also needs to see specific medical evidence that shows you have ongoing issues despite following the treatments prescribed by your psychiatrist or psychologist.
Is Anxiety Considered A Disability
Anxiety disorders, such as OCD, panic disorders, phobias or PTSD are considered a disability and can qualify for Social Security disability benefits. Those with anxiety can qualify for disability if they are able to prove their anxiety makes it impossible to work. You must submit evidence showing your anxiety disorder matches the SSA’s Blue Book requirements.
An anxiety disorder is a condition characterized by persistent feelings of apprehension, tension, or uneasiness. For those who are truly disabled on the basis of such a disorder, these feelings are not simply nervousness, but rather overwhelming feelings of alarm and even terror that can be provoked by ordinary events or situations occurring in everyday life.
You May Like: When Can I Collect Social Security
Bipolar Disorder As A Disability Under Ssa
When it comes to living with a disability, Social Security provides both Social Security Disability Insurance and Supplemental Security Income .
If youve received a diagnosis of bipolar disorder, the SSA has a 5-step evaluation process to determine if you qualify for benefits.
Youll be asked:
- Are you currently working? As of 2021, earning an average monthly income of more than $1,310 often prevents you from collecting disability.
- Is your condition severe? This means that for a period of at least 12 months, bipolar disorder prevented you from performing basic work tasks such as lifting, sitting, walking, or standing.
- Is your condition found in the list of disabling conditions? Yes, bipolar disorder is included in the list.
- Can you do work youve done previously? SSA will assess your residual functional capacity , or how your condition has affected your work abilities.
- Can you do any other type of work? Being unable to work one type of job doesnt always exclude you from other forms of employment.
You May Like: Can I Go To My Primary Care Doctor For Anxiety
Disability Caused By Anxiety Disorder
First, let’s look at how the SSA evaluates the severity of anxiety disorders. Before it pays benefits, the SSA requires a mental disorder to be so severe that it disrupts your life to a point where you become unable to work at any type of job . In addition to fitting within a specific diagnosis below , your anxiety disorder must cause severe limitations in the following areas:
- understanding and remembering instructions and learning new things
- interacting with others appropriately
- concentrating and persisting to complete tasks, and/or
- managing oneself
Alternatively, you might be able to qualify without having symptoms of the above limitations if your anxiety has improved with medication or psychosocial support, but your recovery is tenuous and you could experience a setback if you go back to work. To qualify under this alternative, your anxiety must be medically documented as having lasted at least two years, and you must have minimal capacity to adjust to changes in your environment or an increase in mental demands.
Recommended Reading: When Can I Collect Social Security Benefits
What Are Counted As Resources
Lets start by whats NOT counted. The following items are NOT counted when SSA computes your resources:
- Any back benefits you will receive as a result of your favorable decision
- The home you live in and the land it is on, if its your primary residence
- Your household goods and personal effects
- One vehicle, regardless of its value, if it is used as transportation
- Grants, scholarships, fellowships, or gifts set aside to pay educational expenses, for a limited period of time after receipt
- Burial spaces and burial funds, up to a certain limit
- Life insurance policies, up to a certain limit
- Property thats essential to supporting yourself
WHAT DOES COUNT:
There are additional items that are NOT counted these are the most common.
It means that if you stopped using drugs or alcohol for three months or more and you were therefore no longer disabled, its a material component of your disability. On the other hand, if you stopped using drugs or alcohol for a period of three months or more, and you were still disabled due to other impairments, drug or alcohol is not a material component.
If you are actively using drugs or alcohol and your only impairment is mental, you are likely to have difficulty being approved for benefits.
If drug or alcohol addiction is found to be a material component of your disability, you cannot receive benefits.
Living With Anxiety And Depression
If you have the symptoms of an anxiety or depressive disorder, getting the disability payments you need to get by can be just the beginning of the battle. Dont hesitate to seek out the help you need to manage these chronic conditions, and lean on your family and friends for the emotional support you need to get through difficult periods.
Also Check: Ivds Va Rating
Read Also: Social Secrutity
Can You Get Social Security Disability Benefits For Depression And Anxiety
If you suffer from depression or anxiety, you know just how debilitating these conditions can be. Youre not alonemillions of Americans suffer from these psychological disorders. And while individuals with milder cases may have their capacity to work largely unaffected, severe cases of depression or anxiety can make it impossible to focus, interact with people, or even leave the house. If you have depression or anxiety that prevents you from being able to work, you may qualify for Social Security Disability Insurance .
Chronic Pain And Anxiety
Although the link between pain and depression is well-documented, researchers say anxiety also has significant connections to chronic pain and pain disorders. Last year, researchers who evaluated patients at a Midwestern veterans medical center concluded that patients who have chronic pain should also be evaluated for anxiety disorders.
The study found that 45 percent of patients being treated for pain also tested positive for one or more anxiety disorders. Pain patients with an anxiety disorder generally had more pain and poorer quality of life.
Don’t Miss: How Much Is Social Security Check