How to Get Long-Term Disability for Anxiety

  

A person suffering from anxiety has a good chance of winning a long-term disability claim. The condition can be debilitating and interfere with a person's ability to work. In some cases, it can even make it impossible to earn a living. However, getting a disability for anxiety is not always easy. It may require the assistance of a lawyer.

 

One of the most challenging aspects of obtaining a disability for anxiety is the need to prove the severity of the illness. The insurance company will be interested in the extent of the symptoms you are experiencing and how they affect your daily functioning. Therefore, the more information you can provide, the better your chances of success. For example, if your anxiety is accompanied by other mental illnesses such as depression, it is important to include that in your narrative report.

 

You may also need to provide a neuropsychological evaluation. This type of cognitive assessment measures your cognitive functions such as memory and problem-solving. These tests can show you if you have any cognitive deficits. Your doctor may prescribe antidepressants or mood stabilizers to help you cope with your symptoms.

 

Depending on the specific policy, you can be granted benefits for as long as two years. However, some insurers offer a shorter period. If you have a longer disability, you can request an extension.

 

Anxiety can be a complicated disorder, so it is essential to seek treatment. You will need to see a therapist or psychiatrist at least once a month. If you fail to do so, your insurance carrier will deny your claim. They want to see proof that you have sought proper medical treatment.

 

The medical records that accompany the diagnosis can be powerful evidence. A doctor's narrative report should address the frequency of the symptoms and their severity. The document should also describe any factors that can aggravate your condition. Besides your doctor's recommendations, you will need to explain how your anxiety disorder prevents you from performing your normal job duties.

 

Obtaining a copy of your insurance policy is an essential step in establishing your eligibility. Often, disability carriers will define anxiety as a mental or nervous condition, which limits your disability benefits. As with any other disability, you must have a valid diagnosis and sufficient medical documentation to support your claims.

 

If you suffer from severe anxiety, it may be best to seek the advice of a long term disability attorney. An experienced attorney can increase your chances of being approved for benefits. Additionally, he or she can negotiate with your long-term care provider for you. Getting assistance with a disability claim for anxiety can be a difficult process, but with a little help, you can overcome the challenges.

 

When filing for a disability for anxiety, it is important to provide a detailed narrative that addresses all the symptoms you are experiencing. Make sure your doctor's report is supported by examinations and observations made during office visits.
Visit: https://en.wikipedia.org/wiki/Disability_benefits to get a better understanding of this topic.