Applying for Social Security Disability Insurance (SSD) is often a daunting process, as the vast percentage of applications are denied on the first try. But it is even more of an ordeal for individuals living with mental health disorders like depression, anxiety, PTSD, bipolar disorder and schizophrenia. SSD claims involving mental health are denied at a disproportionately high rate. 

Why are mental disabilities more closely scrutinized? Any of these reasons may apply:

  1. Invisible symptoms — Mental health conditions, unlike physical injuries or illnesses, often lack outward, easily-documented symptoms. Social Security Administration (SSA) examiners may have difficulty evaluating the legitimacy and severity of a mental health condition, especially if the applicant’s medical documentation is sparse. Because conditions things like depression or anxiety don’t show up on x-rays or scans, applicants must rely on records from professionals.

  2. Insufficient medical documentation — Thorough and up-to-date treatment records are critical for SSD claims. However, many individuals with mental health conditions may not undergo consistent treatment or may only see a general practitioner instead of a mental health specialist. The SSA often interprets a lack of detailed psychiatric evaluations, medication history or therapy notes as evidence that the condition is not severe enough to merit disability benefits.

  3. Failure to meet SSA listings — The SSA relies in part on a set of very specific criteria known as “Listings” to evaluate all disability claims, including those based on mental health. If an individual’s symptoms or documentation don’t align with these established criteria, a claim can be denied, regardless of how disabling the applicant’s day-to-day experience may be.

  4. Work history confusion — Some applicants work for short stints to survive financially while struggling with their condition. However, attempts to remain employed, whether part-time or intermittently, can complicate a claim. The SSA may view any recent employment as proof that the individual is still capable of holding a full-time job, even if only for limited periods.

  5. Stigma and misunderstanding — Despite social progress, mental health stigma persists. Decision makers, even unconsciously, may downplay the significance of an applicant’s symptoms or misinterpret their behaviors. This subtle bias can contribute to the higher rate of denial for mental health claims compared to physical ones.

These positive actions can improve your chances of SSD approval based on a mental health condition:

  • Keep regular appointments with mental health professionals and stick to treatment regimens.

  • Request a detailed RFC (Residual Functional Capacity) form from your treatment provider.

  • Keep a diary or journal of your symptoms and how they impact your ability to function.

  • Avoid gaps in treatment, which could suggest improvement of your condition.

  • Consult an experienced SSD attorney who can ensure your claim is presented effectively.

Mental health conditions are as real and disabling as any physical illness. If your SSD claim is denied, or you’re just starting the process, know that persistence and the right documentation are key. With support and a strategic approach, you can fight for the benefits and recognition you deserve.

If a disability keeps you from working, Massengill, Caldwell & Coughlin, PC in Bristol will diligently pursue your SSD claim in Tennessee or Virginia from initial application to final approval. Call us today at 423-797-6022 or contact us online to schedule a free initial consultation.