Social Security Disability For Mental Illness

Social Security Disability For Mental Illness

Mental illness is a term used to refer to a psychological or physiological disorder occurring in an individual. Mental illness can be a disastrous situation for a family in case the primary bread winner is suffering with the disease

In order to provide financial assistance to such individuals and their families who are disabled and suffering with mental illnesses, the US federal government had initiated the Social Security and Supplemental Income Disability programs that are administered by the Social Security Administration.

Social Security and Supplemental Income Disability programs can be broadly divided into Social Security Disability Insurance and Supplemental Security Income. According the guidelines established by the federal government, only individuals, who are no longer able to perform any substantial gainful activity or SGA as a result of any physical or mental disability, are eligible to apply for Social Security Disability (SSD). However, benefits can be availed only in conditions that can either lead to death or last for a continuous period of 12 months or even longer.

In case of mentally disabled individuals, only conditions where the individual cannot even perform his daily activities are considered to be eligible for Social Security Disability Insurance. Some examples are mental retardation, Alzheimer’s disease, schizophrenia, autism, manic depressive disorder, panic disorder and obsessive compulsive disorder. These diseases are so severe that they can lead to serious mental impairment if not treated properly. However, illnesses such as bipolar disorder, depression, anxiety and stress disorders do not qualify under this program.

Provisions under the Social Security Disability Insurance differ from state to state. In general, the individual or the dependants receive an average monthly income of $900 towards regular household maintenance. Apart from this, in certain states, medical care is provided as a supplement.

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Social Security Disability For Mental Illness