Anxiety disorders are a common mental health condition that affects millions of people around the world. This disorder can cause significant impairments in an individual’s ability to function in daily life, leading to problems with work, social relationships, and overall quality of life. Fortunately, there are disability benefits available to those who are unable to work due to their anxiety disorder. In this article, we will discuss the two main types of disability benefits available for anxiety disorders: long term disability benefits and 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 to individuals who are unable to work due to an injury or illness. 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 mental health conditions 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. 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. An attorney can also represent you in court if necessary.
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 diagnosed anxiety disorder that is expected to last for at least 12 months.
- The anxiety disorder 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 important 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 important 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. Our experienced disability attorney can help you navigate the appeals process and fight for the benefits you deserve. We understand the challenges that individuals with anxiety disorders face, and we are dedicated to helping our clients obtain the benefits they need to live a fulfilling life. Call us today at (888) 321-8131 to schedule your free case evaluation.