Obtaining Long Term Disability (LTD) Benefits for Depression
When you live with depression, anxiety or another mental illness, it may be difficult to work for a living. If your symptoms are severe, you may decide to file for long term disability insurance benefits. The process for obtaining long term disability insurance benefits for a mental health condition, such as depression, is typically complex and arduous.
At Tucker Law Group, we understand how hard this process is for our clients. Over the years, we have helped thousands of clients around the country fight for their long term disability insurance benefits. We want to help you too. Learn more about depression and the disability claim process below.
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Long Term Disability Insurance Claims and Depression
According to the World Health Organization, depression is a leading cause of disability worldwide. Major Depressive Disorder (MDD) is the most common form of depression and is typically diagnosed when you experience at least five diagnostic symptoms. At least one of the symptoms is either (1) a depressed mood or (2) loss of interest or pleasure in activities once enjoyed. Other symptoms include:
- Increase or decrease in appetite
- Significant weight loss or weight gain
- Insomnia or hypersomnia
- Fatigue or loss of energy
- Excessive or inappropriate guilt
- Feelings of worthlessness
- Recurrent thoughts of suicide or death
- Cognitive issues such as decreased ability to concentrate
These symptoms can cause significant distress in occupational, social or other important functioning areas of a person’s life. If five or more of the symptoms listed above are present during a given two-week period, you should speak with your doctor to discuss treatment options.
Can You Get Long Term Disability for Depression?
Yes, it is possible for an individual to obtain long term disability insurance benefits for depression. However, you should thoroughly review your disability insurance plan before filing a claim. Disability insurance carriers include different conditions, exceptions, limitations and terms in their plans. There may be specific eligibility or filing requirements that can affect your ability to recover benefits.
If you are suffering from severe depression and you are unable to work due to your condition, you may be eligible for benefits. We recommend speaking with an attorney as soon as possible. An attorney will help you understand your disability policy and how you may successfully claim your long term disability benefits.
Tucker Law Group’s attorneys have decades of experience helping clients secure short and long term disability insurance benefits for depression. Contact our team for a free consultation.
How Our Long Term Disability Lawyers Can Help
If you have questions about getting long term disability benefits for depression, contact Tucker Law Group for a free consultation. Our long term disability lawyers may be able to help you obtain the benefits you need if you live with diagnosed depression. We know how important these benefits are to your overall quality of life and your future.