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How To Apply For Disability Benefits For Mental Disorders?

Individuals who are suffering from conditions like mental disorders are eligible to receive benefits from the SSA or the Social Security Administration. If you have bipolar disorder, acute depression, anxiety disorder, or any other mental illness that has proved to be an obstacle in your path towards employment and income. The disability benefits from the Social Security Administration can help you pay for your medical bills, financial obligations, and your day-to-day expenditures. You receive the benefits every month and can play a key role in warding off your financial worries. Therefore, you can live your life without having an income from employment. How to apply for disability benefits for mental disorders? The following points will discuss the details.

Benefits for Disabled Adults

The Social Security Administration offers disability benefits through SSDI or Social Security Disability Insurance and SSI or Supplemental Security Income. Disabled adult employees can avail Social Security Disability Insurance if they have been shelling out the Social Security taxes. Only those individuals can avail Supplemental Security Income only when they adhere to the limitations on the earnings as well as asset holdings. If your mental illness has prevented you from working at any point in life, you won’t be considered eligible for SSDI. If any of your friends and family are supporting you financially, you won’t be considered eligible for SSI.

Basic Eligibility

The Social Security Administration will check whether you have met all the basic criteria before reviewing your application. To qualify, you will need a diagnosis of a disabling condition that can happen in the future and you have to have a diagnosed condition that will, in all probability, leave you disabled for a period of one year or longer. After you receive the confirmation from the Social Security Administration that you have attained all the criteria, it will go through your medical condition and check whether you are eligible for the Social Security Disability Insurance or the Supplemental Security Income.

Medical Records to Prove Your Eligibility

The Social Security Administration reviews your medical records to ascertain that you are eligible for the disability benefits. The SSA maintains a medical guide known as the Blue Book that it uses to review all the disability applications. They will match your medical record to the list of disabilities mentioned in that Blue Book. Section 12.00 mentions mental illnesses. Sub-section 12.06 talks about disorders related to anxiety.

You might be considered eligible under this sub-section in case you are suffering from an acute phobia, panic disorder, post-traumatic stress, or any other condition related to anxiety. Sub-section 12.08 deals with personality disorders. You might be eligible in case you are suffering from acute depression. 12.04 states that if someone suffers from bipolar disorder, the SSA will be reviewing their application under the listing of affective disorders. Medical records are required to have information such as a diagnosis done from a psychiatrist, brain scans, or other tests that would provide evidence of any physical abnormality, documented evidence of symptoms, so on and so forth.

If you can prove that your daily activities are being hampered by your mental illness and you are unable to work anywhere outside your home, there are high chances that the SSA will approve your application. In the case of a majority of mental illnesses, you have to furnish documents to prove that you are under medication for a minimum time period of two years and there hasn’t been a noticeable improvement in your condition. Basically, you will have to meet the disability listing mentioned in the SSA’s Blue Book. Make sure that you have all the medical information ready at hand. From getting hospitalized to undergoing therapy sessions, you have to have everything with you. Also, prepare a list mentioning all the medications that you are going through, whether there has been any major improvement in the symptoms, as well as the negative side effects if any.

How to Submit Your Application?

You can apply for the SSDI online. As for the SSI, you can apply at your nearest office. You can’t apply online for SSI. You can go through the website of the Social Security Administration to apply online or dial 1-800-772-1213 to get an appointment. The SSA has over 1300 locations spread across the United States.

After you have received approval from the SSA, your case might undergo a review every year. If your condition tends to persist for long, you will keep receiving the disability benefits.

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