If you’re filing for Long Term Disability due to depression, you may face challenges. Insurers often downplay mental health claims, and depression can be harder to prove than a physical injury. On top of this, managing a claim while struggling with depression can feel exhausting.
Insurers may require independent exams, surveillance, or claim interviews, all of which can feel extremely invasive. We understand how overwhelming it is. Our depression Long Term Disability lawyers can explain your rights, assist you with your claim, and help you fight a denial.
At Marc Whitehead & Associates, disability is all we do. Our team of long term Disability lawyers has over 120 years of combined experience helping people get the benefits they are entitled to. Call today to schedule a free consultation and discuss your claim.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Is Depression a Disability?
Yes, depression is a disability, and if it prevents you from working full-time or performing your regular job duties, you have the right to seek disability benefits. Unfortunately, insurance companies often challenge these claims, arguing that symptoms are temporary or manageable.
To prove your claim, you’ll need consistent treatment, records from your psychiatrist or therapist, and detailed documentation of how your condition affects your work. Even with strong evidence, an insurer may still deny your claim.
For a free legal consultationwith a depression lawyer serving Nationwide, call (800) 562-9830
Our Depression Long Term Disability Attorneys Can Help
Depression is often misunderstood or minimized. Symptoms like fatigue, focus issues, or social withdrawal are hard to quantify. This can make filing for disability a frustrating and heartbreaking process.
Our depression Long Term Disability attorneys know how to make these hardships real to decision-makers by connecting your symptoms to specific work limitations, ensuring your claim is taken seriously and fairly evaluated.
We can help by:
Evaluating Your Case
We will review your medical history and work limitations to assess if you qualify for disability benefits. Our team will help determine if your depression meets legal criteria under Social Security or insurance guidelines to move forward with a claim.
Gathering Evidence
Our depression Long Term Disability lawyers will collect medical documentation, including treatment records, therapy notes, and physician opinions. We may also gather personal statements or functional assessments showing how depression impacts your ability to work.
Filing Your Claim
Our attorneys help with filing for Long Term Disability by making sure your application is complete, legally sound, and submitted on time. Properly presenting your claim reduces the risk of denial due to technicalities or insufficient explanation of your condition’s effects.
Handling Denials and Appeals
If your claim is denied, our LTD claim attorneys for depression can file appeals, respond to the denial reasons, and submit new evidence.
We understand the appeal process, and our experience can significantly improve your chances of success at the reconsideration or hearing stage.
Representing You at Hearings
At hearings, our depression LTD attorneys will present your case before a judge or claims panel, question vocational or medical experts, and ensure your testimony supports your claim. We will work to overcome doubts about your condition and clearly explain why you’re unable to work.
Nationwide Depression Lawyer Near Me (800) 562-9830
How to Get Long Term Disability for Depression
To apply for Long Term Disability for depression, there are a few main avenues you can explore, depending on your employment situation and coverage type. Our Long Term Disability claim lawyers can help you choose the right approach:
- Employer–Sponsored Coverage: Apply through your job’s HR department if you’re covered. Policies often have mental health limitations, so review carefully. Insurers may request interviews or exams.
- Private Policies: For individually purchased plans, file directly with your insurer. Provide comprehensive medical evidence and detailed descriptions of how depression affects daily functioning.
- Social Security Disability: Apply online, by phone, or at SSA offices. Eligibility for SSDI depends on work credits and functional impairment. Many private LTD policies require a concurrent SSDI application.
- VA Disability Benefits: Veterans with service-connected depression can apply through the VA for monthly compensation. Claims require military service documentation and psychiatric evaluations.
How to Appeal Long Term Disability Denial for Depression
If your Long Term Disability claim for depression was denied, you still have a path forward. Most group policies fall under the Employee Retirement Income Security Act (ERISA), which means you have 180 days to file an appeal.
To appeal an SSDI denial, file a Request for Reconsideration within 60 days. If denied again, request a hearing before an administrative law judge. Submit new medical evidence, detailed documentation, and possibly legal representation.
Our disability insurance claim lawyers can review your Long Term Disability denial, identify what went wrong, and build your appeal. If the appeal fails, we’re prepared to take your case to court and fight for the benefits you’ve earned.
Why Choose Our Depression Long Term Disability Law Firm?
Depression claims are often denied, and insurers frequently use tactics to minimize legitimate claims. Long Term Disability policies are filled with fine print, strict deadlines, and legal traps. It may seem unfair, especially when you’re already struggling, but don’t give up hope.
Our depression Long Term Disability attorneys will work to show how depression impairs your ability to work full-time, so you get the benefits you deserve. If your claim for depression disability benefits was denied, we can manage your appeal.
At Marc Whitehead & Associates, we know disability law because we wrote the book on it. Our Long Term Disability law firm has been helping injured people get the benefits they are owed since 1992. Call today for a free consultation.