The Top 5 Questions Bipolars Ask About Disability Benefits

Bipolar disorder (also known as manic depression)Most claims lack significant pieces of information. For
affects an estimated 2 million people over the age ofthis reason, most successful disability applicants seek
18. Unfortunately, severe symptoms associated withsome kind of help, either from a professional advocate
either manic episodes, depression (or both) can causeor specialized information and help source.
difficulties in holding down a regular job. In fact, working#3: How long will it take?
may become impossible for some bipolars.Most initial claims are decided in 3-4 months. Some
The Social Security Administration (SSA) has disabilitytake more, some less. If your claim has to go through
benefit programs in place for those with severe bipolarthe appeals process, it can take another 6-12 months
who are unable to work due to the disorder. These-- occasionally, even longer. This is why it is important
are five commonly-asked questions about disabilityto present a strong case from the very beginning, to
benefits:expedite the success of your claim.
#1: How can I prove I'm disabled by my bipolar#4: What if my claim is denied?
disorder?Don't give up! If your initial claim is denied, you have the
SSA has certain criteria they use to establish any kindopportunity to appeal and request a hearing. (Some
of disability, whether related to physical or mentalstates have two lower levels prior to the hearing level.)
disorders. First, your disorder must be severe enoughThe hearing before a judge is really your best chance
to keep you from working more than just a minimalto win. However, it is not smart to go in unprepared.
amount. Second, it must be diagnosed by a medicalYou need to present a strong and convincing case to
professional, typically a physician or psychologist. (Asway the judge enough to award you benefits.
psychiatrist is a type of physician.) Third, it must bePreparation, including good documentation of your
expected to last at least 12 months.bipolar condition and its effect on your ability to work, is
Additionally, a diagnosis of bipolar disorder commonlyessential to your claim's success.
involves a number of signs and symptoms that SSA#5: What kind of benefits will I receive?
looks at when determining whether someone qualifiesDisability benefits include monthly checks which vary,
for disability benefits. These symptoms could bedepending upon the program you fall under. There are
present in either depressive or manic syndromes, andtwo main disability programs under Social Security. The
include things such as:SSDI program is based primarily on your work history;
* Appetite and/or sleep disturbance * Hyperactivity ormonthly checks average around $900. The SSI
a lack of energy * Difficulty concentrating *program is based on financial need and resources; it
Involvement in high-risk activities * Loss of interest inhelps those without a steady work history. Everyone
activities * Feelings of guilt or worthlessness or inflatedgets the same amount under SSI - around $600
self-esteem * Hallucinations, delusions or paranoidmonth maximum.
thinking * Thoughts of suicide * Repeated episodesOf course, many benefit winners receive a back
that affect your ability to function normallybenefit check which can be many thousands of dollars;
Of course, there are many factors that SSA will lookthis is one reason why it is important to apply as soon
at. They will want documentation from your healthas you become eligible.
providers and possibly your family, friends or othersOther benefits include health and medical benefits
who know you.(Medicare and/or Medicaid), newly-established
#2: What are my chances of winning?prescription drug benefits, and even continued benefits
Unfortunately, the average approval rating for disabilitywhile trying to go back to work, if your situation
claims at the initial level is only about 25-30%. Why?improves.