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
Provincial Income Support Benefits For Depression
Each province in Canada pays income support benefits to people who cant work because of disability. If you qualify, you can receive fixed payments for life.
You can qualify for provincial benefits even if youve never worked. However, they only apply if your total family income falls below a certain amount. That amount differs from province to province. Family income doesnt affect the approval process for other types of disability benefits.
You apply for provincial disability benefits by applying through your provincial agency or program. As usual, your doctor will need to provide a report or certificate that confirms you cant work because of your condition.
If you get denied, you can appeal internally within the agency or program. In some provinces, you can also appeal to an outside tribunal for a final decision. Check with your province for the proper procedures.
Applying For Disability Benefits With A Mental Illness
Mental and psychological disabilities are among the conditions that can qualify for benefits from the Social Security Administration . You may qualify with severe depression, bipolar disorder, an anxiety disorder, or another mental illness that prevents you from maintaining gainful employment.
Social Security disability benefits can cover everyday living expenses, medical bills, and other financial obligations. Benefits are paid monthly and can alleviate many of your financial worries, making it possible for you to get by without income from employment.
Read Also: I Have Been Depressed My Whole Life
How Hard It Is To Get Benefits For Mood And Anxiety Disorders
As anyone who has suffered from serious depression or anxiety knows, it can be very difficult to convince otherswho’ve never experienced the crippling effects of these conditionsthat you aren’t able simply to “get over it.” Unfortunately, the same is often true when it comes to convincing skeptical disability claims examiners and judges that your condition truly prevents you from working and is long-lasting.
This skepticism is reflected in our survey results: Less than four in ten readers with mood or anxiety disorders were approved for benefits at some point in the process. At the initial application stage, the outlook was particularly dim: More than eight in ten readers were denied. It’s worth noting, however, that a sizeable portion of those were likely “technical denials,” generally because the applicants didn’t meet the work-history and/or financial requirements for SSDI or SSI. According to government statistics, 45% of SSDI applications filed in 2018 received technical denials the proportion was lower for SSI applications .
Medical Qualifying With A Mental Illness
The SSA conducts a detailed review of your medical records to determine your eligibility for benefits. During this review, they try to match your records to a disability listing in the Blue Book. The Blue Book is the SSAs medical guide that is used to evaluate every disability application.
Disability listings outline the severity level requirements and the specific medical evidence needed to support a claim for benefits. Mental illnesses appear in Section 12.00 and include:
- 12.06, Anxiety-related Disorders you may qualify under this listing if you have a severe phobia, post-traumatic stress, a panic disorder, or another anxiety-related condition.
- 12.08, Personality Disorders this is the listing under which you may qualify if you have severe, clinical depression.
- 12.04, Affective Disorders if you have bipolar disorder, your application will be reviewed under this listing.
Extensive medical records are necessary to qualify, including:
- Information on your diagnosis, ideally from a psychiatrist or psychologist
- Brain scans or other evidence of physical abnormalities that document an organic cause for symptoms, if applicable
- Treatment records, documenting medications, therapy, and other management methods used and their effects
- Thoroughly documented episodes of increased symptoms or periods of decompensation
- Well documented affects of your symptoms on your everyday abilities or activities of daily living
You May Like: How To Help Your Friend Through Depression
Streamline The Claims Process
This process can be complicated. If youre dealing with a serious mental health condition, it can be especially difficult. Thats why we recommend hiring an experienced lawyer to assist you throughout this process.
Roy Law Group specializes in going up against disability insurance companies. Our highly trained and compassionate lawyers can help you through every step of the short-term disability claim process.
Having a disability lawyer on your side exponentially increases the chance your claim will be accepted. Roy Law Group will take the hassle out of this process so you can focus on what really matters: your health.
What Are The Disabling Symptoms Of Depression
Clinical depression is marked by pervasive feelings of sadness, despair, and loss of interest in activities you once enjoyed. It is caused by a chemical imbalance in the brain.
The way depression manifests may differ from case to case, but the most common underlying symptoms include:
- Pervasive feelings of sadness and worthlessness
- Fatigue and loss of energy
- Inability to concentrate or focus
- Slowed speech and physical movements
- Unusual sleep patterns
- Loss of interest or enjoyment in all activities
- Loss of appetite and/or significant change in body weight and
- Suicidal thoughts.
Any of these symptoms, if presenting severely and frequently enough, can be disabling.
Though it may be obvious to you why you can no longer work with depression, your insurance company will require details of all your symptoms and the ways in which they specifically impair your ability to perform your job duties.
Remember that depression presents differently in each person. To fairly evaluate your long term disability claim for depression, your insurer must understand how your condition personally affects your functioning.
You May Like: Is It Possible For A Child To Have Depression
How Do You Prove You Cannot Work Due To Depression
Anyone who has suffered clinical depression understands that it can ruin your career and relationships alike. However, you should never assume the insurance company will understand how your individual symptoms impact you and your job. To increase your chances of claim approval, you must explain why each of your symptoms prevents you from performing your job duties.
For example, during a depressive episode, you be unable to get out of bed due to your severely depressed mood and fatigue forcing you to call in sick. You may be preoccupied with your debilitating symptoms and unable to focus, concentrate, or pay attention during an important meeting or telephone call with your biggest client. Or your lack of interests, low energy and feelings of hopelessness may make routine tasks seem overly stressful or cause you to procrastinate and miss a strict deadline.
There are many ways depression symptoms can impair your ability to work. These need to be explicitly outlined in your evidence when submitting your claim.
Employee May Be Able To File For Short
Short-term disability leave is six months and pays out a portion, usually around 60%, of an employees salary.
I have stress about Covid-19 at my office. Can I file for short-term disability?
The bottom line
Employees may be able to file for short-term disability if a medical professional diagnoses them with an anxiety disorder, depression or other mental illness due to that stress. But there are other options to consider under the Americans With Disabilities Act, depending on the persons condition and workplace environment.
This workers situation is common these days.
We get this question every week multiple times a week, says Michelle Barrett Falconer, a partner at employment law firm Littler Mendelson.
First, workers should consult their employee handbook or human-resources portal to find out whether their company provides for short-term disability benefits. Five statesCalifornia, Hawaii, New Jersey, New York and Rhode Islandalso have such programs. To apply, employees need a medical provider to identify they are temporarily disabled from performing their particular job.
Stress itself is not going to be a reason. It has to manifest in some physical or mental condition, says Alex Berke of Berke-Weiss Law, noting that some short-term disability plans have exclusions for mental health.
If an employees stress stems from their being part of the immunocompromised or at-risk population, the ADA can also help.
Write to Anne Steele at
You May Like: Does Smoking Make You Depressed
What Are The Disabling Symptoms Of Anxiety Disorders
Anxiety disorders can cause both disabling emotional/cognitive symptoms and physical symptoms. Many people are surprised to hear that although anxiety disorders are considered a mental illness, they have tangible physical symptoms as well. Its important to report all symptoms you experience to your treating doctors so that he or she gets a full picture of the impact your anxiety has on your daily life and ability to work.
Disability Claims For Depression Dont Have To Be Hard
Throughout this article, weve discussed difficulties that may exist in proving that depression has resulted in a disability. But we should emphasize that building that case doesnt have to be hard. By keeping up with medical treatments, working with a disability lawyer, and developing the kinds of evidence discussed above, a person can make the process of qualifying for disability benefits much more streamlined.
Preszler Law Firm is a disability law firm in Toronto that helps clients suffering from depression and other mental-health issues obtain the benefits they deserve under an insurance policy or government program. If you or a loved one has become disabled as a result of depression, contact our lawyers today for a free consultation and insight into how you can build the strongest case possible for your disability claim.
Call or text or complete a Free Case Evaluation form
Recommended Reading: What To Do When You Think You Are Depressed
Need Help With Your Short
Our attorneys excel at protected the legal rights of disabled workers and professionals, including doctors and nurses. We only represent individualsnever insurance companiesand will work hard to get you the full short-term disability benefits you deserve under your plan.
Making sure you have solid medical evidence of your disability is crucial in any short-term disability claim, but especially for mental health claims. We can help you understand your policy benefits and limitations, determine if you have a case, and guide you through the steps you need to take to have the best chance at getting the compensation you deserve.
To speak to an experienced Chicago short-term disability insurance lawyer at Bryant Legal Group, P.C., contact us by calling 312-667-2536 or completing this brief online form.
What Are Some Of The Issues I May Face In Applying For Disability Benefits Due To Mental Health Conditions During The Covid
This article will focus on issues related to applying for short-term and long-term disability benefits for a mental health condition during the COVID-19 pandemic.
We will aim to address the following issues which you may be facing if you are struggling to work due to a mental health-related condition which may or may not be related to the COVID-19 pandemic and for which you are considering applying for STD or LTD benefits:
Also Check: What Is The Difference Between Loneliness And Depression
What Those With Mental Health Concerns Should Know About Group Short
When many people think of disabilitiesand even disability insurancephysical disabilities come to mind. While physical injuries and chronic pain conditions surely qualify as disabilities under certain circumstances, they are not the only ones. Mental illnesses may also fall under the provisions of many individual and group disability insurance policies.
Statistics provided by the National Alliance on Mental Illness reveal that mental health conditions are far from uncommon. In fact, NAMI has made the following, eye-opening determinations concerning the prevalence of various mental health issues in the United States:
- 1 in 5 U.S. adults experience mental illness in any particular year, and 1 in 25 U.S. adults experience a serious mental illness that interferes with one or more major life activities.
- 3.7 percent of U.S. adults live with schizophrenia or bipolar disorder.
- 25 percent of U.S. adults experienced either one major depressive episodes last year or currently experience anxiety disorders.
Of the adults in the United States who have experienced a substance abuse disorder, 50.5 percent of those peopleroughly 10.2 million U.S. adultshave a co-existing mental illness.
Unfortunately, nearly a third of NAMI survey respondents reported that private insurance companies denied authorizations for mental health care benefits, because insurers deemed the care unnecessary medically.
Consider A Neuropsychological Evaluation
In addition to a personal narrative and supportive reports from your treating doctor, you may consider undergoing a Neuropsychological Evaluation. A neuropsychological evaluation will measure your cognitive deficits.
Neuropsychological testing objectively and scientifically measures how your disability is impacting your cognitive functioning. This includes memory, learning perception, problem solving, speed processing, verbal functioning, and executive functioning, among other things. The evaluation usually also includes IQ testing and screening for any primary or secondary psychological diagnoses. It also will include validity testing to demonstrate the reliability of the test results.
Many conclusions can be drawn from a valid neuropsychological evaluation, including your primary diagnosis, secondary diagnosis , and your deficits in specific areas of cognitive functioning. The results provide the insurance company with strong and objective evidence to demonstrate how and why your anxiety disorder impacts your ability to work.
Your narrative, doctors support, and additional neuropsychological testing will all go a long way in helping to prove your anxiety disorder long term disability claim.
Recommended Reading: Dealing With Anxiety And Depression
What Can You Do If You Have A Denied Disability Claim In Newmarket
If your life has been disrupted by an unexpected illness, creating an emotional, physical and financial burden, the first step you should take is to consult a disability lawyer. Share Lawyers offers free online consultations for long-term disability insurance claims.
There are also simple, free online tools to assess whether or not you have a disability case and if an experienced lawyer can assist you with your insurance claim.
And if youre among those reluctant to contact a lawyer about your long term disability claim out of fear of being charged more than you can afford, Share Lawyers work on a No Fees Unless You Win Your Case basis.
Why wait to see if you have a valid long-term disability case or accept that your insurance claim has been denied? Book your free consultation today.
How Can I Prove That I Qualify For Disability
If you apply for disability benefits under Anxiety-Related Disorders, you can prove your case through medical records, letters and reports from your doctor, and your own testimony.
Typically, there are two approaches to proving you qualify for disability:1. Using Social Securitys list of medical conditions and the criteria that prove them .2. Showing that you experience a severe impairment or a combination of impairments that prevent you from working a full-time job.
You May Like: Depression Loss Of Sex Drive
Should I Claim Disability For My Anxiety Disorder
So, you know what the expectations are for those claiming disability due to an anxiety disorder. Now the question is, Should I claim disability for my anxiety disorder?
While the appeal of a free paycheck and minimizing your exposure to stress might sound nice, is it really whats best for you in the long run?
The answer to this question is going to depend entirely upon your personal situation and long-term goals. If your anxiety is extremely severe in nature and your interest is solely in minimizing it rather than overcoming it, filing for disability may be worthwhile.
If youre young, early in your career, or hoping to actually beat anxiety long-term rather than merely avoiding its triggers then my opinion would be to avoid filing for disability due to anxiety disorder.
Now, this is a matter of opinion, but the root of the problem with claiming disability for anxiety is this:
Getting out of working is considered avoidant behavior. Avoidant behavior is extremely appealing to those of us with anxiety. We think, if we stay away from what stresses us out, well have less anxiety.
While we try and rationalize this as a good idea, its often a terrible strategy for coping with anxiety long-term. The reason for this is because avoidance actually reinforces our anxiety disorder.
Rather than claiming disability outright, giving in to your disorder, I recommend you consider some alternatives.
Is Depression A Disability
People who live with depression often wonder, “Is depression a disability?” Sometimes depressive disorders can be so intense and life-changing that they make it difficult to function, and you may find yourself unable to work. When that happens, it is natural to wonder if you might qualify for social security disability or supplemental social security income . It is important to know exactly when depression is considered a disability, so you’ll be able to figure out which of your thoughts, feelings, and actions are considered “normal,” and which may be symptoms that impede social and occupational functioning. Keep reading for information on when depression is considered a disability.
Is Depression A Disability?
The Social Security Administration considers depression to be a mental health disorder that may qualify an individual for disability. However, there are many factors that determine whether your specific experience of depression is a disability. A simple diagnosis of depression is not enough for the SSA to consider you disabled for the purposes of collecting disability. Here, it is important to note that your depression may be considered a disability by other definitions. What you are trying to qualify for or accomplish determines when and by whom your depression is considered a disability.
Depressive Disorders Considered A Disability
Major Depressive Disorder
Persistent Depressive Disorder
ADA Disability Protections
Read Also: Social Media And Depression Questionnaire