How To Claim Disability Benefits When You Can’t Work Due To Mental Health - Insane Visions

How To Claim Disability Benefits When You Can’t Work Due To Mental Health

Over 1.3 million Americans who receive social security have been diagnosed with mood disorders. 1 in 4 Americans say work causes them anxiety with half saying that their anxiety interferes with their relationship with their co-workers — only 1 in 4 mention their workplace anxiety to their employers. Not only does depression cut productivity, but it’s also costs employers more than obesity, anxiety, arthritis, and any other health condition.

Perhaps the worst statistic, 4 out of 5 workers report a poor work-life balance. If you’re struggling to manage your mental health and work, you’re not alone.

First: Things to Understand About People Who Struggle to Work or Can’t Because of Their Mental Health

It’s important to understand that those whose mental health hinders their work, aren’t lazy or bad people. It’s not a choice, and no one wishes depression on themselves when free of the disease. And that’s what it is a disease. In most cases, mental health is both a physical and mental disease.

Depression is a 24-hour job in of itself. It’s incredible how it can take the healthiest, most production person and render them unable to even find the strength to shower. Making comments or shunning people with mental health issues only increases the stigma and makes their disease worst. Depression and other mental health issues can make you feel like you’re completely alone in the universe, floating helplessly through the empty frozen darkness of space. Often the best thing that helps is knowing that you’re not alone.

Available Benefits

Those that find that their mental health is hindering their ability to work will want to look into claiming Social Security Disability Benefits (SSDI). SSDI benefits cover nine categories of mental health, which you can find details on if you qualify below. But first some tips.

Tips For Claiming Social Security Disability Benefits

Claiming SSDI benefits can be very difficult, so it’s important to follow these tips as they will greatly help you out.

  • Around 66% of initial applicants fail the first time, but don’t get discouraged as it’s often due to a fixable technicality.
  • Apply as soon as possible. The Social Security Administration is overloaded, and the process can take a while. In that time, there is room for financial ruin so be diligent.
  • You’re going to want medical documentation. It possible to be rewarded without but it’s so rare and the process is anything but easy. Do as much as you can to work with your past and current healthcare [] to gather all documentation that concerns the mental health disorder from evaluations to treatments.
  • Be persistent. It sucks because so many mental health conditions can ruin this, but if there is one thing you can build the energy up for it’s this. If possible, reach out to family and friends for help.

How To Apply For Disability Benefits with a Mental Disorder

Affective Disorders

To qualify for benefits, you will probably need medical documentation that shows the disorder is hindering your ability to work despite current treatments. As well, your chances will greatly increase if you have been undergoing treatments for two years or more.

Anxiety Disorders

You will need to show medical documentation that shows at least one of the following conditions:

  • Persistent and irrational fear
  • Weekly panic attacks
  • Constant anxiety with observable symptoms
  • Obsessive-compulsive behavior that leads to duress

Autism and related disorders

You will need to provide documentation that shows autism or a related condition is hindering communication, social involvement, or the ability to hold more than a few interests. These all must relate to the specific conditions required by your work if you wish to qualify.

Mental Retardation

You or your caregiver may quality for disability benefits if you meet any of the following.

  • Dependent on basic care for basic needs: eating, bathing, getting dressed, using the bathroom.
  • IQ of less than 60
  • IQ of less than 70 in tandem with another condition that limits the ability to work.
    Organic Mental Disorders

You will need to show medical documentation of at least one of the following conditions and connect why it infers with work.

  • Disorientation
  • Delusions or hallucinations
  • Changes in personality
  • Losing at least 15 IQ points
  • Impaired memory
  • Inability to concentrate
  • Social limitations
  • Trouble with daily life needs
  • Mood disturbances
  • Lability of emotions

Along with the above, you will need to show proof you have suffered from the disorder for more than two years despite treatment.

Personality Disorders

You will need to show proof that your personality disorder is affecting your ability to adapt or effectively interact with work. You will need evidence of at least one of the following symptoms.

  • Aggressiveness
  • Autistic thinking
  • Constant mood disturbances
  • Dependence
  • Hostility and extreme anger
  • Inappropriate Paranoia
  • Impulsive or damaging behavior, especially regarding relationships
  • Unsal thoughts, conversations, behavior, or perception patterns
  • Passiveness
  • Seclusion

Schizophrenia, Paranoia, and Psychotic Disorders

Like many of the mental health conditions above, you will need to show two years or more of medical documentation that shows your mental health condition affects your ability to work. However, this may be bypassed if you can show medical documentation detailing how one of the following symptoms is severity hindering your ability to work.

  • Catatonia
  • Disorganized behavior
  • Delusions
  • Hallucinations
  • Illogical thinking
  • Incoherence
  • Severe pathetic speech

Somatoform Disorders

Qualify under a somatoform disorder can be tricky, but very much possible. First, you will need to show medical evidence that by the time your 30, you experienced unexplained physical symptoms that caused you to make certain lifestyle changes.

If you have experienced one of the following due to the condition, your chances greatly increase:

  • Hearing loss
  • Lost of eyesight
  • Loss of movement
  • Inability to use one or more limbs
  • Challenges speaking

Substance Addiction

You can only qualify for benefits due to substance abuse issues if it has engendered one of the other medical conditions covered in this article.

As well, there are a few other conditions that are covered which can be found in sections 5 and 11 of Mental Disorders and Social Security Disability Blue Book.

Author Bio: Nick McKenzie has been writing about physical and mental health for several years and now uses his knowledge to write for VitaLeaf Naturals. He looks to take a realistic approach to health and understands that everyone is different with unique factors in his or her life. When Nick isn’t nose-deep into his writing, he’s cuddled up with his two dogs who are hopefully worn out from a long run.

Beatrice Santos
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