Anxiety disorders are a common mental health condition that affects millions of people around the world. There are several types of anxiety disorders, including generalized anxiety disorder, panic disorder, social anxiety disorder, and phobia-related disorders. Symptoms may include, but are not limited to, restlessness, difficulty concentrating, irritability, a sense of impending doom, and panic attacks.
Anxiety disorders can significantly impair a person’s ability to function in daily life, leading to problems with work, social relationships, and quality of life. Fortunately, people who cannot work because of an anxiety disorder may qualify for long-term disability or Social Security Disability benefits.
Long-Term Disability Benefits for Anxiety
Long-term disability (LTD) insurance is a type of insurance policy that provides income replacement benefits when an injury or illness prevents you from working. Many employers offer LTD benefits as part of their employee benefits package. Some individuals purchase LTD coverage on their own. In either case, if an individual is unable to work due to their anxiety disorder, they may be eligible for LTD benefits.
To qualify for LTD benefits for anxiety, an individual must meet the definition of disability as it is defined in the insurance policy. If an individual meets these criteria, they may be eligible for LTD benefits. However, it is important to note that LTD policies vary, and some policies may only provide limited coverage for a mental disorder such as anxiety disorders. It is essential to review the terms of your LTD policy carefully to determine if anxiety disorders are covered.
To apply for LTD benefits, an individual must submit a claim to their insurance company. The claim should include medical evidence of the anxiety disorder and its impact on their ability to work and activities of daily living. The insurance company will review the claim and determine if the individual meets the criteria for LTD benefits.
If the claim is denied, the claimant may appeal the decision. This is where a disability attorney can be helpful. A disability attorney can help gather additional medical evidence and present a compelling case for why the individual should receive LTD benefits. Disability lawyers can represent a claimant in court if it is necessary to file a lawsuit.
Social Security Disability Benefits for Anxiety
Social Security Disability Insurance (SSDI) is a federal program that provides income replacement benefits to individuals who are unable to work due to a disability. To qualify for SSDI benefits, an individual must meet the following criteria:
- They must have a medically determinable mental or physical impairment that is expected to last for at least 12 months.
- The impairment must prevent them from performing any substantial gainful activity (SGA).
- They must have earned enough work credits to qualify for SSDI benefits.
If an individual meets these criteria, they may be eligible for SSDI benefits. However, the SSDI application process can be lengthy and complex, and many applications are initially denied. It is essential to provide thorough medical documentation and evidence of the impact of the anxiety disorder on the individual’s ability to work.
If an individual’s SSDI application is denied, they may appeal the decision. This is where a disability attorney can be helpful. A disability attorney can help gather additional medical evidence and present a compelling case for why the individual should receive SSDI benefits. An attorney can also represent the individual at any hearings before an administrative law judge.
How a Disability Attorney Can Help Appeal a Denied Claim
If your LTD or SSDI claim is denied, it can be a frustrating and overwhelming experience. However, it is essential to remember that denials are not uncommon, and you have the right to appeal. A disability attorney can help guide you through the appeal process and improve your chances of a successful outcome.
An attorney can help gather additional medical evidence to support the individual’s claim and present a compelling case to the insurance company or Social Security Administration. They can also ensure that all necessary paperwork and documentation is completed accurately and submitted on time.
If you have been denied disability benefits for anxiety, it is crucial to contact a disability attorney as soon as possible. The appeals process can be lengthy and complex, and having an experienced attorney on your side can make a significant difference in the outcome of your case.
Request a Free Case Evaluation
If your claim for disability benefits for anxiety has been denied, don’t give up. Contact the Ortiz Law Firm today for a free case evaluation. Nick Ortiz is an experienced disability attorney who can help you navigate the appeals process and recover the benefits you deserve. We understand the challenges that individuals with mental impairments like anxiety disorders face, and we are dedicated to helping our clients obtain the benefits they need to live a fulfilling life. Call us at (888) 321-8131 to schedule your free case evaluation today.
