Though there is more than one injury/illness causing disability, the concurrent disability benefits are paid as if there is only one injury or illness the insured will be considered to have one disability. Concurrent DisabilityĪ concurrent disability occurs when there is more than one injury or illness. The insured may select a benefit period of two years, five years or up to retirement age of 65/67/70. The benefit period is subject to underwriting requirements. Benefit PeriodĪ benefit period is the maximum amount of time the insured will receive benefits for a continuous disability. You may also apply to renew this benefit for an additional 5 years. This policy provision increases the policy’s monthly benefit on the policy’s effective date anniversary without evidence of medical or financial insurability. It typically continues for 5 years and increases the benefit by 4%. The claimant and the medical records will need to establish clear medical diagnostic impressions and then the subjectiveness can come into play in terms of how bad things are: the intensity, the frequency, and the duration of the symptoms.Ĭall today for more information about mental residual functional capacity in Clearwater SSDI claims and how an attorney could help you.Disability Insurance Provisions Automatic Increase Benefit If someone is alleging depression and anxiety and all they have ever treated with is an internal medicine doctor and there is no diagnosis of depression, Social Security will probably conclude that the depression, at least from an objective standpoint, is not severe.Įventually, the importance of subjective evidence ties into objective evidence. Generally, that subjective evidence needs to be tied to objective evidence. How Does SSA Evaluate Subjective Evidence? Usually, the claimant will report to someone who is within a certain range of where they reside so the doctor often gets chosen based on where the claimant resides. Social Security has a sort of internal list that they use. These psychological evaluations are conducted by a psychiatrist or a psychologist. Social Security will want to send this claimant out for a psychological evaluation to get a more specific diagnostic impression from a specialist to develop their record. The SSA will recommend an individual for a psychological evaluation if the claimant is alleging disability as a result of depression and anxiety and the applicant has only been treated by a family or internal medicine doctor. The SAA will evaluate the skills an individual acquired in their past work and determine if those skills can be transferred and used in other types of work and how mental illness may limit the use of those skills. If someone has a work history that mostly is unskilled work and they do not know how to do anything else besides unskilled work, that can play a role in the ultimate decision. The SSA will consider the person’s work history. The importance of someone’s work history in determining if their mental illness qualifies them for SSDI benefits boils down to if they have done skilled work or unskilled work. There are many factors involved, such as the intensity, frequency, and duration of these mental health symptoms. When determining mental residual functional capacity, the administration is looking to see if the person is going to be able to show up to work every day or if the person’s mental health symptoms are going to interfere with their ability to do all things that are required on the job. Perform at a consistent pace without interruptions from mental health symptoms.Ability to work in coordination with others.Maintaining attention and concentration.Understanding and remembering instructions.Ability to remember work-like procedures.The mental health symptoms will be evaluated in the context of one’s ability to do complete specific activities, which includes: Mental factors are evaluated in determining mental residual functional capacity in Clearwater SSDI claims. Determining Mental Residual Functional Capacity If you have any questions regarding mental residual functional capacity in Clearwater SSDI claims, reach out to an experienced SSDI lawyer. Depending upon what Social Security concludes that a person’s mental residual functional capacity is, the severity of those conditions and/or symptoms can limit one’s mental residual functional capacity to be inconsistent with any work or job. The SSA will look to determine if that person is going to be limited to unskilled work or if they are going to be limited to only occasional contact with other people in a work environment. The Social Security Administration (SSA) defines mental residual functional capacity as someone’s maximum capability, considering their mental health diagnoses.
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