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.
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What Evidence Will You Need
Social Security requires detailed medical documentation to support your claim. But what does this mean in the context of depression? It means that you may need to provide records such as:
- Doctors reports
- Reports from a psychologist or psychiatrist
- Lists of medications
- Information about your daily activities
Keep in mind that the SSA will need a wide range of information. And if they need further records or support for your claim, you may need to cooperate with their requests. The SSA denies a significant number of claims, usually about 67 percent of them, each year. But many of these denials are done on technical grounds such as failure to provide accurate info or sufficient documentation to support the application.
Social Security Disability Insurance
SSDI is the first program you may consider if depression has disrupted your ability to work. To qualify for the program, you must:
- prove you havent been able to work for at least 12 months
- have paid Social Security through paycheck deductions for the last 5 out of 10 years
The exact SSDI benefits you receive depend on your individual contributions to the Social Security system during your working years. On average, people on SSDI receive $1,165 per month as of 2014.
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Symptoms Of Ptsd Include:
- Intrusive thoughts: flashbacks, distress when exposed to symbols of the trauma, recurrent and involuntary memories, nightmares.
- Avoidance of stimuli associated with the event: avoiding the place where the event occurred, avoiding thoughts and feelings associated with the event.
- A significant mood change experienced after the event: detachment from others, blaming oneself for what happened, persistent negative emotional state, decreased interest in significant activities.
- A shift in reactivity associated with the event: increased irritability, hypervigilance, sleep disturbance, exaggerated startle response, problems with memory or concentration.
In order to meet the criteria for a PTSD diagnosis, you must experience symptoms from all of the above categories for more than one month. The above symptoms must also cause a significant disturbance or impairment in social, occupational, or other areas of daily functioning. Individuals with PTSD are also often diagnosed with other mental health conditions, such as anxiety and depression.
How Can A Lawyer Help
Many people think they can handle a disability claim on their own. But there are many complex technical and medical requirements that can trip up people who arent used to the process of applying for benefits. That could lead to a technical denial that could prevent you from getting the benefits you need.
Our lawyers work with the SSA and other disability claims all the time. They know the rules, the system, and your rights. They also know what a claim needs as supporting documentation, and they can work to make your claim as strong as possible. Your Fusco, Brandenstein & Rada, P.C. lawyer can gather the evidence you need, complete all the paperwork, and keep you up-to-date on your claim.
And if a claim is denied, your lawyer can argue for reconsideration or can even appeal the claim. That could lead to a reversal of the denial. In fact, according to the SSA, reconsideration and further hearings average made up about ten percent of awarded claims. That means that even if a claim is initially denied, reconsideration and other processes could be an important part of your case.
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Depression Prevalence In Disability Claims
According to a 2019 study by Sunlife, mental health is by far the most common long-term disability claim. The study found that 30% of all long-term disability claims are mental health-related. This is more than the next two common causes combined with cancer at 15% and accidents at 12%.
And, of that 30%, depression accounts for more than 50% of all mental health claims. So, if you are struggling with depression, know that you are not alone. It is one of the most common reasons for going on long-term disability.
Even though depression makes up a large proportion of disability claims in Canada, it can be hard to prove to insurance companies. Unlike other illnesses such as cancer or multiple sclerosis, insurers cant physically see the pain you are in.
We created this guide to help you prove to your insurance provider that you require disability benefits just as much as a person suffering from a visible illness or injury does.
Lets dive in!
Why You Need A Lawyer To Help You Receive Your Benefits
Does all of this sound difficult and confusing? Unfortunately, it can be. Proving to the SSA that you tick all of these boxes can be a nightmare, and certainly more than many people living with debilitatingly severe depression can handle.
Fortunately, help is available. An experienced disability lawyer will be familiar with which symptoms of depression are recognized by the SSA, which forms of medical documentation are necessary, how to package all of the evidence most effectively, and how to build a persuasive claim. With skilled legal assistance, you will have a better chance of securing the disability payments you need.
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Workers Compensation For Burnout
It is possible to file a workers compensation claim for workplace stress, but it is important to note that it is difficult to prove your depression is a workplace injury. Before 2018, workers compensation only recognized mental health claims that were caused by a single workplace incident, not chronic stress. However, in January 2018, Ontario implemented a new policy allowing claims for chronic mental stress to be considered a workplace injury. Not all insurance companies have adopted this, so you will need to speak to your employer about the possibility.
If you are dealing with extreme workplace stress and hoping to file a stress disability claim, contact us today to learn how we can help. You can arrange for a no-obligation consultation by filling out the easy online form or giving us a call today.
How To Document An Ltd Claim For Depression Or Bipolar Disorder
It is essential to receive consistent treatment from a mental health professional, preferably a psychologist or psychiatrist, to have any chance of prevailing on a claim for depression or bipolar disorder. Make sure that your insurer carrier has requested and received all the medical records related to your condition, including those from your treating doctors and any hospitals or psychiatric facilities where you’ve received treatment. Don’t simply rely on your LTD carrier to solicit all the evidence it needs to make an informed decision in your case.
While your LTD carrier will likely contact your treating physician for an opinion about the functional limitations caused by your condition, the insurer’s paperwork may be less than thorough than you would want, or may be designed to elicit responses unfavorable to your claim. To help your case, you should make sure that detailed findings from your treating doctor about your vocational limitations get into your record. In particular, you should ask your doctor to submit information to the insurance company discussing any limitations you have in the following areas:
- avoiding tardiness or excessive absences from work
- staying on-task throughout the day
- maintaining focus and concentration throughout the day
- understanding, remembering, and carrying out simple and complex instructions
- responding appropriately to criticism from supervisors, and
- interacting appropriately with co-workers and the general public.
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Why Is It So Difficult To Get Disability Benefits For Depression
Like other conditions with symptoms that are based on emotional distress, a disability based on depression can be difficult to prove to the Social Security Administration because the symptoms are often difficult to measure.
Additionally, just being diagnosed with depression is not enough to qualify for benefits. The SSA must deem the depression severe enough to result in a disability finding.
Here are a few tips for getting a disability application based on depression approved:
1. Make sure your medical records support your claim. The SSA relies heavily on medical records to evaluate the severity of a persons depression and determine if it qualifies the person as disabled.
Make sure that your symptoms have been properly documented by your medical provider. That means making routine visits to the medical provider so that your records are up to date and thoroughly capture the progression of your illness.
2. Follow through on your treatment plan. Having a treatment plan created by you and your medical provider and then not following through on that treatment plan can send a message to the SSA that you have not exhausted all efforts in getting treatment for the depression.
An experienced attorney can take the lead and work with medical providers to collect the necessary evidence.
Canada Pension Plan Disability Benefits
The Canada Pension Plan provides monthly payments to people who contribute to the plan during their working years.
You may be eligible for CPP disability benefits if:
- you contributed to the CPP for a certain number of years
- you’re under 65 years old
- you have a severe and prolonged mental or physical disability
- your disability prevents you from working on a regular basis
The benefits include payments to children of a person with a disability.
Apply as early as possible if you think you’re eligible for CPP disability benefits. Quebec residents may be eligible for a similar program called the Quebec Pension Plan . It may take several months to process your application.
If you applied for CPP or QPP disability benefits and were told that you’re not eligible, you can ask to have your application reviewed or considered again.
Once you reach age 65, your CPP disability benefit will automatically change to regular CPP payments. Your regular CPP payments may be less than the CPP disability payments you got before.
If so, consider:
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How Can You Get Ssdi For Depression Criteria To Qualify
The SSDI application will benefit you if you have been struggling with depression for a year or longer, and you are unable to work as before. Mental health disorders are added to the list of medical conditions that qualify you for the benefits. These mental conditions include depression, schizophrenia, autism spectrum disorder, and bipolar disorder.
To qualify for the SSDI, you must experience a minimum of at least five symptoms of depression listed above. You should also have at least one of the following:
- You cannot comprehend information dished to you, interact with others, have the right concentration, and take care of yourself. To qualify, you must be experiencing a minimum of two of the listed symptoms.
- Your depression is considered a disability if your medical records indicate that your symptoms have been persistent. You have been receiving treatment for depression for at least two years.
- You should also be having a hard time adapting to your new lifestyle of living with depression as a disability and adapting to the new set routine.
To have more credit, you should have worked before and paid for your Social Security. The credits are based on your annual net income. If you are not confident whether you qualify for the SSDI, you can contact the administration to confirm your eligibility.
According to the SSDI, you can qualify for exclusive monthly benefits or instead get a medical-vocational allowance.
For you to receive medical funding, the following are needed:
Helping People Suffering From Depression
Depression can make it difficult to perform basic daily activities, let alone sustain gainful employment. At Jeffrey A Rabin & Associates, Ltd. we understand this and want to assist you in getting the help you need. We can help you file a disability claim for Social Security benefits from any of our five locations in northern Illinois.
Reach out today to schedule a free consultation with a Chicago Social Security Disability attorney. You can contact us online or call us at 888-529-0600.
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Residual Functional Capacity Evaluation
For the SSA to approve a claim for depression or anxiety when you do not have a condition that meets the listings, your limitations and your work history and education must show that you cannot perform SGA in any occupation youve worked in the past and in any new occupation. To do this, the claims examiner considers the skills you have from prior work, your education, and your age as well as your mental health residual functional capacity and compares those elements to the mental requirements of potential occupations.
Your physician or a consulting physician may be asked to complete a mental status RFC questionnaire, which evaluates your ability to work with people, concentrate, follow instructions, submit to authority, and other mental and emotional capacities needed to work. Alternatively, the examiner may extract this information from existing medical records. Your residual capacities will then be compared to the mental and emotional demands of occupations that you could do if you did not have mental health limitations.
How Do I File A Disability Application Due To Anxiety Or Depression
The easiest way for most people to file for social security disability benefits is to complete an application online. The second easiest way is to call Social Security and complete an application by telephone.
When you apply, you should be ready to provide with the following information: Your basic information Your work and education history Your medical diagnoses that prevent you from working A list of your doctors and your medications The date you believe you could no longer work due to your impairments
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How Can I Apply For Disability Under Ada
You dont have to apply for coverage. If you live with a disability as defined by the ADA, youre already protected. No action is required on your part.
If you feel youve experienced discrimination or unfair treatment at work due to your disability, you can file a civil rights complaint with the Department of Justice.
You can use the online form provided or choose to mail or fax your form.
The form will ask you to:
- give your contact information
- list the date or dates of the event
- give a personal description
- review your form before submission
After your complaint is received, itll go into the review process, which may take several months. You can check the status of your complaint at any time by calling the ADA information line at 800-514-0301 or .
Financial Ssa Programs For Depression Disability
The benefits program that works best for you will depend on your symptoms of depression and your current financial needs.
The SSI program is there to help you if your income isnt enough to meet necessities. Its a monthly payment program determined by your current income and assets.
Theres no set amount of help you may receive on SSI. If your state offers similar disability programs, you may receive less money from federal aid.
Most adults under the age of 65 who qualify for SSI have resources that total less than $2,000.
SSDI benefits are payments available if depression prevents you from working. To receive SSDI, your disability must be expected to last at least 12 months or result in death.
You cant receive SSDI benefits for a short-term disability or a partial disability. If you live with seasonal affective disorder, for example, you may not meet the long-term requirements of diagnosis.
You must also be younger than your full retirement age when you apply.
In some cases, your family members may be eligible for SSDI payments while you live with a depression disability.
SSDI is a calculated number based on your employment history. In 2021, the average payment was approximately $1,200 monthly.
Its not uncommon to receive a rejection letter from SSDI. This is likely due to some details needed in your application. However, you can re-apply as many times as needed until you get approved.
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Get Appropriate Treatment For Depression
When evaluating your depression long term disability claim, the insurance company will want to see youre receiving appropriate treatment. Even if your claim is approved, they will still require proof of ongoing treatment for your condition.
The insurance company can easily use non-compliance and lack of appropriate care as a reason to deny or terminate your depression long term disability claim.
To demonstrate appropriate treatment, your treatment team should include specialists such as a psychiatrist and/or psychologist. Treatment options may include:
Again, it is important to follow your doctors recommendation. Your insurance company will want to see you are in treatment and doing everything in your power to improve your symptoms.