The devastating mental illness of depression affects millions of individuals all over the world. Depression symptoms such as worry, exhaustion, and a sense of hopelessness can make it difficult for people who are suffering from depression to function at their jobs.
Depression-related disability payments can be claimed by those who have been diagnosed with the illness and who expect that they will be out of work for at least a year as a result.
When you are unable to work due to illness, disability payments can be used to cover your basic living expenses, allowing you to focus on getting better rather than worrying about how you will make ends meet.
Is Depression a Qualifying Condition for Disability? Depression is defined as a mental disability under the Americans with Disabilities Act (ADA).
A significant emotional disorder, it has been demonstrated to interfere with daily activities, which may limit your capacity to do job-related duties.
Depression might occasionally get so severe that you are unable to function in your job. While the Americans with Disabilities Act (ADA) ensures access to programs that provide help, not everyone who suffers from depression is eligible for disability benefits.
The following information will aid you in determining whether or not you qualify for financial assistance if you or a loved one is now unable to maintain a job due to depression.
Is Depression Considered A Disability Under ADA? Yes, no?
Clinical depression is one of the most frequent mental health diseases in the United States, accounting for around 5% of the population. In the event that you encounter a combination of the following symptoms on most days for at least two weeks, your doctor may consider you to be suffering from depression.
- Weight gain or reduction that occurs suddenly
- Irritability and anxiety are symptoms of depression.
- Changes in appetite
- The despondency that doesn't go away
- A feeling of despair and emptiness
- Extreme exhaustion
- Suicidal thoughts or actions are not uncommon.
- Having difficulty concentrating
- Guilty thoughts and a sense of worthlessness
- Aches and pains that don't seem to have a cause
- Sleeping disorders such as insomnia or oversleeping
- Having trouble remembering things
Even with medication, depression can make it difficult to function at work. According to the Anxiety and Depression Association of America, this helps to explain why this mental health problem continues to be the primary cause of disability among adults between the ages of 15 and 44.
Depression can strike at any time in one's life, although the typical age at which depression begins is 32 years of age. When you receive your first cancer diagnosis, you may be just starting your first work or you may be in the thick of your professional life.
Having depression that is resistant to therapy is seen as a handicap. It does not imply that you are immediately eligible for disability benefits, such as financial help.
According to the Americans with Disabilities Act (ADA), a disability must "substantially restrict" at least one living activity in order to qualify for Social Security Administration (SSA) support.
If you are unable to work, there are financial help options available.
If you are unable to work as a result of depression, you may be eligible for help. People who are unable to work due to a handicap can apply for financial assistance through the Social Security Administration.
Disability benefits from the Social Security Administration (SSDI)
If depression has interfered with your capacity to work, you should consider applying for SSDI as a first step. You must satisfy the following conditions in order to be considered for the program:
- demonstrating that you have been unable to work for at least 12 months
- During the last five out of ten years, I have paid my Social Security taxes through payroll deductions.
The amount of SSDI payments you get is determined by your individual contributions to the Social Security system throughout your working years, as detailed above. As of 2014, those receiving SSDI received an average of $1,165 per month.
Supplemental Security Income (SSI) is a government program that offers a monthly cash benefit to persons who are unable to work due to a medical condition or other reason (SSI)
In addition to Social Security Disability Insurance benefits, you may be eligible for Supplemental Security Income. This program is intended to assist those who have a low income as well as little assets. You must satisfy these requirements in order to be considered for the program:
- Depression has been shown to cause a recorded incapacity to work by a qualified medical practitioner.
- a poor income depending on your geographical location
- less than $2,000 in assets, excluding your home, car, burial savings account, and engagement ring or wedding bands
- Additionally, if you're married, your partner must likewise have a modest income, and the two of you cannot have more than a combined total of $3,000 worth of assets.
As of 2015, the average monthly payout for federal SSI disability benefits is $733 for individuals and $1,100 for couples, according to the Social Security Administration. This quantity, on the other hand, is dependent on a range of conditions. It's possible that you'll be qualified for state benefits in addition to your SSI benefits.
In contrast to SSDI, you can qualify for SSI payments even if you have not previously contributed to the Social Security system through your salary.
Medicaid
Individuals with low incomes might qualify for Medicaid, which is a government assistance program that provides low-cost healthcare. The program is intended for persons with disabilities who are eligible for other types of government financial assistance.
After two years of receiving SSDI benefits, you may be eligible for Medicare health insurance coverage. If you've been qualified for SSI payments for at least one month, you may be able to apply for Medicaid health insurance coverage as well.
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What is the process for submitting a disability claim?
If you fulfill the requirements listed above, you may be eligible for depression-related disability compensation. It is critical that you submit your application as soon as possible. SSDI and SSI benefits might take many months to be processed.
You'll submit your application in person at your local Social Security Administration office. You may choose to retain the services of an attorney to assist you in preparing and filing your application. Just be aware that a part of your benefits will be paid to your legal representation as compensation when you file your claim.
If you apply for disability payments, you may have to wait up to half a year before you receive a decision. If your application is granted, you will get retroactive pay beginning on the day you submitted your initial application.
The Social Security Administration (SSA) denies a large number of disability compensation petitions. If this occurs to you, you have the right to file an appeal with the court. For some people, getting a hearing might take up to two years. During this period, you may want to consider retaining the services of an attorney.
The main point to remember
Suffering from treatment-resistant depression may result in an impairment that makes it difficult to keep employment. According to the Americans with Impairments Act, mental health conditions such as depression are considered possible disabilities that may entitle you to financial help, such as supplemental income and health insurance.
The procedure of obtaining SSDI or SSI benefits can be time-consuming. A large number of applicants are turned down. Speaking with an attorney about your specific situation before beginning the application process may be worthwhile in order to assist achieve the best potential outcome.
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