Understanding Mental Health Disability Claims

The Social Security Administration (SSA) does recognize a wide range of mental health disorders as potentially disabling, including:

• Depression
• Bipolar disorder
• Schizophrenia
• Anxiety disorders
• PTSD
• Autism spectrum disorders
• Cognitive impairments

However, you must show that your condition severely limits your ability to function and work on a sustained basis.

Steps to File a Mental Disability Claim in Indiana

1. Check Eligibility Requirements

To qualify for Social Security Disability Insurance (SSDI), you must:

• Have worked and paid Social Security taxes
• Have a mental condition expected to last at least 12 months or result in death
• Be unable to engage in substantial gainful activity (SGA)

2. Gather Strong Medical Evidence

Mental health claims rely heavily on thorough and consistent medical documentation:

• Psychiatric Evaluations: Include detailed assessments from licensed mental health professionals.
• Treatment Records: Show regular therapy, counseling, medication history, and progress notes.
• Statements from Providers: Your therapist or psychiatrist should describe how your condition affects your ability to focus, interact with others, and maintain a work schedule.
• Daily Life Impact: Include personal statements or third-party reports showing how your condition affects your everyday functioning.

3. Submit Your Application

• Apply online at ssa.gov, over the phone, or at a local Indiana SSA office.
• Be detailed and honest about your symptoms, how they affect your life, and your treatment history.

4. Cooperate with Disability Determination Services (DDS)

• Indiana’s DDS may schedule a Consultative Exam (CE) if more information is needed.
• Attend the exam — missing it can result in denial.

5. Await the Decision

• It may take 3–5 months for an initial decision.
• Many claims are denied initially — this is common, especially for mental health-related applications.

If Denied: Start the Appeal Process

If your claim is denied, you can appeal within 60 days. Mental health appeals often succeed when additional documentation and expert testimony are provided.