Anxiety And Depression May Lead To Long
The Canadian Mental Health Association reports that 20 percent of Canadians will suffer from mental illness at some point in their lives, and virtually all Canadians encounter mental illness when it affects a family member, friend or co-worker. Despite the prevalence and substantial effect of mental illness, many Canadians are unaware that their loved one is struggling with a psychological condition, in large part, due to the stigma attached to these disorders.
Two of the most common manifestations of mental illness are depression and anxiety. Both depression and anxiety can prove debilitating to affected individuals.
Va Ratings For Anxiety Frequently Asked Questions
Can I get VA disability compensation for Anxiety?
Yes, the Department of Veterans Affairs will pay veterans with service-connected Anxiety tax free compensation each month. The amount of compensation depends upon your overall VA rating.
Is Anxiety a VA disability condition?
Yes, Anxiety is a VA disability and can be rated from 0% to 100% depending upon the severity of your symptoms.
Often times, anxiety and depression are underlying symptoms of another mental health condition such as PTSD, Major Depressive Disorder, or Somatic Symptom Disorder.
Due to the legal concept called avoidance of pyramiding, a veteran will only receive one VA rating for a mental health condition.
The VA recognizes Anxiety Disorders as one of 31 mental health conditions that may be related to service, and thus, Anxiety is a VA disability, and is eligible for VA compensation and benefits under the law.
What are the VA disability ratings for Anxiety?
The VA will give you a disability rating based upon the severity of your Anxiety Disorder, specifically related to your level of occupational and social impairment. If you are considered service-connected for Anxiety, you will receive one of six possible VA disability ratings for your mental health condition, broken out as follows: 0%, 10%, 30%, 50%, 70%, or 100%.
In 2022, the average VA disability rating for anxiety is 70%.
Can I receive Special Monthly Compensation for Anxiety?
Can Anxiety be Permanent and Total ?
You Can Return To Work On A Return To Work Plan
To your insurer, your symptoms might seem to be only mild to moderate and they recommend that you return to work on modified duties or hours. They will consult with your employer and a rehabilitation specialist if you have been off work for a long period of time to determine what should be an appropriate gradual return to work timeline for you.
You may actually be experiencing severe symptoms and a return to work could interfere with any progress you have made. It is important to report all your symptoms to your treatment providers and have them provide documentation to the insurance company detailing your restrictions and limitations.
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Causes Of Depression Or Anxiety
Although it is not clear, family genes or other biological reasons may cause or influence the emergence of depression. It is not uncommon to see these conditions shared by members of the same family. Depression may also be brought on by changes in ones life such as divorce, death, or a job change, however, such periods of depression normally resolve themselves within a relatively short period of time. However, if such a severe mood lasts every day for two-weeks or longer, then depression may require treatment to be resolved.
If your depression has been persisting, it is important to seek treatment early, both for treatment and to document its existence and severity should you have difficulty recovering and have to file a disability claim.
Anxiety may come on for no apparent reason or may also be familial. If left untreated, anxiety can worsen to the point that it interferes with the ability to concentrate and complete tasks needed for normal work activities. Some individuals anxiety reaches the point that they may refuse to leave their homes for fear of triggering an episode of panic.
What Are My Rights
First, it is essential to remember that you have rights, and they are protected under the ADA. The ADA is a law designed to protect those with disabilities against discrimination everywhere, from the workplace to transportation and access to social services programs.
When it comes to safeguarding folks in the workplace, this act focuses on protecting employees and those seeking jobs.
Due to the ADA, those experiencing conditions that impact their ability to work may receive financial compensation and reasonable work accommodations. Special work accommodations can include time allowed for therapy appointments, remote work, and a leave of absence.
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If Youre Fighting Anxiety And Disability Benefits Have Been Denied We Can Help
Anxiety in the workplace is widespread, and when it is chronic, it can become a crippling illness. While anxiety is such a prevalent disability, it is also one of the most difficult to prove.
If you were wrongly denied disability benefits, do not give up. What may seem like a hopeless battle can be fought and won with an experienced and determined legal team at your side.Talk to our attorneys about your claim todayask us questions and get accurate answers, in a free and confidential legal consultation. Wherever you live, we can help.
About Marc Whitehead
Your Doctors Opinion Is Critical To A Successful Claim
Medical evidence is vital for any health-related insurance claim, whether physical injuries, childbirth, or complex cases like mental disorders. In the attending physician statement, your doctor will detail your medical condition, how it impacts your ability to function, and treatment plans. Furthermore, theyll provide recommendations for reasonable accommodations to meet your needs. All these are essential for a successful claim.
Once you submit the claim form, the claim administrator for the insurance company will review your medical evidence to ensure it supports your disability claims. Subsequently, the company will reach a decision. You can always appeal if your claim for a short-term disability benefit is rejected.
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Medications And Side Effects
Serious medications make a serious medical condition more believable. So, you must try all the recommended medications even if you fear the side effects.
If youre not taking antidepressants, then the insurance company will think your symptoms arent serious enough to qualify for disability benefits. Its common for doctors to have you try multiple medications and different dosages to find the right treatment. So, if you have a bad reaction to one medication, you cant refuse the troubleshooting that follows. You have to try all other medications or changing your dosage.
If you have bad reactions to your medications, your medical records must report that in detail. And, if your doctor recommended against a medication, you need to have it documented that the side effects were worse than the condition. Again, you run the risk of denial if you stray from standard treatments without a good reason.
Should I Claim Disability For My Anxiety Disorder
So, you know what the expectations are for those claiming disability due to an anxiety disorder. Now the question is, Should I claim disability for my anxiety disorder?
While the appeal of a free paycheck and minimizing your exposure to stress might sound nice, is it really whats best for you in the long run?
The answer to this question is going to depend entirely upon your personal situation and long-term goals. If your anxiety is extremely severe in nature and your interest is solely in minimizing it rather than overcoming it, filing for disability may be worthwhile.
If youre young, early in your career, or hoping to actually beat anxiety long-term rather than merely avoiding its triggers then my opinion would be to avoid filing for disability due to anxiety disorder.
Now, this is a matter of opinion, but the root of the problem with claiming disability for anxiety is this:
Getting out of working is considered avoidant behavior. Avoidant behavior is extremely appealing to those of us with anxiety. We think, if we stay away from what stresses us out, well have less anxiety.
While we try and rationalize this as a good idea, its often a terrible strategy for coping with anxiety long-term. The reason for this is because avoidance actually reinforces our anxiety disorder.
Rather than claiming disability outright, giving in to your disorder, I recommend you consider some alternatives.
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How To Get Disability For Anxiety And Depression
The Social Security Administration acknowledges the impact that anxiety and depression disorders can have on a persons ability to make a living and get by in society. Both of these families of conditions are considered qualifying medical disorders for establishing eligibility for disability payments.
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An Attorney Can Help You Through The Process
Anxiety and depression can make even the smallest task feel insurmountable. If you or a loved one is suffering from mental health conditions that prevent you from working, contact a social security disability attorney at Hawks Quindel for help completing an application, filing an appeal, or making your best case at a hearing. We work on a contingent basis, meaning you do not pay us unless we help you win financial benefits.
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Common Symptoms Associated With Anxiety And Depression
It may not be possible to identify the cause of someone experiencing depression or anxiety, but there are symptoms to look out for that distinguish anxiety and depression from normal feelings of sadness or concern related to specific events or situations. Some of the common signs that you may have an anxiety disorder include:
- Sense of impending doom or panic with no specific cause
- Elevated heart rate
Symptoms commonly associated with depression include the following:
- Uncontrollable anger not associated with a specific cause
- Changes in eating habits, including binge eating and loss of appetite
- Rapid, unexplained changes in your weight
- Unexplained episodes of sadness and feelings of hopelessness
- Loss of interest in normal activities and loss of motivation
- Thoughts of death, including suicide or causing harm to other people
If you suspect that you may have an anxiety or depression disorder, you should speak with a health care professional specializing in the diagnosis and treatment of anxiety and depression disability. A medical diagnosis is essential in order to get a claim for short-term disability approved for anxiety and/or depression.
How To File A Claim For Short
To file a claim for short disability for anxiety, depression or other mental health disorder, you need a diagnosis from your physician or, preferably, a mental health professional, such as a psychiatrist, psychologist or therapist. The medical records should include a diagnosis, treatment plan and a statement from the doctor detailing the specific ways that your illness affects your ability to work and engage in normal, day-to-day activities.
Convincing insurance companies to pay short-term disability claims for mental health disorders can be difficult. If your plan denies your claim, you have the right to file an appeal.
How Can A Disability Lawyer Help With A Claim For Short-Term Disability?
A free consultation and claim evaluation with a disability lawyer from Liner Legal Disability Lawyers may be the best way to learn about your rights and options available to you for benefits for depression and anxiety disability. Contact them today to schedule an appointment.
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Treatment For Depression And Anxiety
While the causes and symptoms of depression and anxiety can vary, treatment is typically similar for both conditions. First, your doctor may suggest a holistic approach to treatment including exercise, developing a good sleep routine, drinking more water, and starting a nutritious diet.
While some people see improvement with these lifestyle changes, others may need additional treatment to manage their symptoms. Your doctor will likely refer you to therapy with a mental health clinician or licensed clinical social worker. There are different techniques that your therapist may try, including cognitive behavioral therapy, interpersonal therapy, or problem-solving therapy, to see which, if any, work for you.
If symptoms of depression and anxiety persist despite routine therapy appointments, your doctor may prescribe a medication, or refer you to a psychiatrist for a medication evaluation, in order to treat your conditions. There are several different types of medications and, since the two conditions are similar, one medication may be enough to manage both. Your doctors will likely prescribe an antidepressant, an antianxiety medication, a mood stabilizer, or a combination of the three.
While individuals may benefit from just one of these treatment options, many people require all three in order to manage their symptoms and allow them more freedom in their day-to-day life.
What You Need If You Cant Work Due To Depression And Anxiety Claims
It can be difficult winning disability benefits for depression or anxiety alone. However, the right documentation can support your claim. Therefore, it is important that you see your doctor regularly. Tell them about all of the symptoms you have on a daily basis. Also, your disability advocate can explain the evidence you will need to prove you cant work due to anxiety and depression.
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Speak To A Disability Claims Lawyer Today
Mental disorders require different evidence for disability claims, and many people struggle to receive benefits due to preventable errors during the claim process. Discuss your options with a long-term disability lawyer if your condition prevents you from continuing at your job. A lawyer can ensure that they handle every step of the process properly, which takes significant stress off you.
If you cannot work because of your mental state and need treatment and time away from work, you might not know where to turn. Seek help from a trusted disability attorney who handles LTD claims for depression and anxiety.
Your condition is valid and no less disabling than a physical, visible condition. Mental health is health, and you might need to file for short-term or long-term disability, depending on your condition. If youâre suffering from debilitating anxiety or depression, you must speak with a disability claims lawyer today.
Where To Get Help
The Anxiety and Depression Association of America lists several helpful resources that can connect you with others nearby who also have anxiety and depression that interferes with normal living. You can also find groups and treatment resources in your own ZIP code by searching the federal Substance Abuse and Mental Health Services Administration s online resource database. These resources are free, and the communities and providers they connect you with can often help you at reduced or no cost. You do not have to give your information to SAMHSA when you search their database for help.
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Applying For Disability Benefits With A Mental Illness
Mental and psychological disabilities are among the conditions that can qualify for benefits from the Social Security Administration . You may qualify with severe depression, bipolar disorder, an anxiety disorder, or another mental illness that prevents you from maintaining gainful employment.
Social Security disability benefits can cover everyday living expenses, medical bills, and other financial obligations. Benefits are paid monthly and can alleviate many of your financial worries, making it possible for you to get by without income from employment.
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Cant Work Due To Anxiety And Depression
A Top Ten Disability Group in the U.S.
Cant work due to anxiety and depression. Many people experience symptoms of anxiety and depression. Anxiety is a feeling of worry, nervousness or unease. Depression is a mood disorder that causes a persistent feeling of sadness and loss of interest.
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Depression Prevalence In Disability Claims
According to a 2019 study by Sunlife, mental health is by far the most common long-term disability claim. The study found that 30% of all long-term disability claims are mental health-related. This is more than the next two common causes combined with cancer at 15% and accidents at 12%.
And, of that 30%, depression accounts for more than 50% of all mental health claims. So, if you are struggling with depression, know that you are not alone. It is one of the most common reasons for going on long-term disability.
Even though depression makes up a large proportion of disability claims in Canada, it can be hard to prove to insurance companies. Unlike other illnesses such as cancer or multiple sclerosis, insurers cant physically see the pain you are in.
We created this guide to help you prove to your insurance provider that you require disability benefits just as much as a person suffering from a visible illness or injury does.
Lets dive in!
Cck Understands Mental Illness Disability Claims
Your insurance company may not understand how depression and anxiety disorders impact your ability to work. We do. We understand that the symptoms associated with depression and anxiety can be debilitating and can prevent you from working reliably and consistently, especially while you focus on your treatment and mental wellness. At CCK, our attorneys and professionals have experience dealing with long-term disability claims for depression and anxiety at every stage of the claims process. We can help level the playing field against the insurance company by using our knowledge and experience with ERISA, the U.S. Department of Labor Regulations, and various insurance policies to help you get the benefits to which you are entitled.
When considering filing a long-term disability claim or pursuing an appeal for depression and anxiety disorders, it is important to have an open line of communication with your doctors and make sure things are documented appropriately in your medical records. We typically talk with our clients about how to communicate effectively with their doctors about their conditions. For example, it is crucial that you ask your doctor to document exam findings, medication changes, reported side effects, your symptoms, and your reports on how those symptoms impact your ability to function. This is especially important in depression and anxiety claims where there is very little objective testing and evidence available to the claimant.
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