Depression is the second most common medical condition listed on Social Security disability applications. Depression, in its various forms (major depressive disorder, persistent depressive disorder, and dysthymia), is a type of mood disorder that can be characterized by gloom, sadness, and feelings of hopelessness or inadequacy. People with depression often also suffer from feelings of fatigue and decreased energy levels.
Many people with depression experience "anhedonia," the loss of interest in things that were previously enjoyable or rewarding, such as interacting with friends or succeeding at work. For those with anhedonia, lack of motivation can be a key limitation in the ability to complete tasks at work.
Many people suffer from depression associated with emotionally painful situations (the death of a loved one, divorce), but for the most part, these periods of depression are situational and short-lived.
If a person has an episode of depression with severe daily symptoms that last for two weeks or longer, their condition is considered to be clinical depression, or "major depressive disorder" (MDD). Clinical depression interferes with a person's ability to cope with daily stresses and obligations, often making an individual unable to function effectively in their everyday life, including at work and during family activities.
The Social Security Administration (SSA) requires depression to last much longer than two weeks to qualify as a disability—an applicant's major depressive disorder must have lasted or be expected to last at least one year. In addition, your depression must severely limit certain areas of mental functioning, which we'll discuss in detail below, and it must prevent you from working and earning over about $1,500 per month.
Most people with MDD find that their symptoms sap their ability and desire to take part in daily living activities, even those they once most enjoyed. Feelings of fatigue and apathy, an inability to concentrate, constant sadness, irritability, and feelings of guilt or worthlessness, or even thoughts of suicide, are common among depressed individuals.
For many people, clinical depression can be successfully treated with psychotherapy and medication, but until the right combination of therapy or medication is arrived at, this condition can be crippling to some.
To qualify for disability benefits, an individual with depression must either:
Social Security publishes a list of common, serious illnesses that qualify for disability if they meet the specified criteria. The purpose of the list is to be able to grant disability benefits quickly for severe impairments.
Clinical depression is covered in Social Security's impairment listing 12.04, for "Depressive, bipolar and related disorders." The listing includes a set of symptoms and a list of functional problems you must have to qualify for either Social Security disability or SSI disability benefits on the basis of depression.
First, you must show you have severe depression by having at least five of the following symptoms:
In addition to having at least five of the above symptoms, you must also meet "functional" criteria to show that you have a loss of abilities due to the mental disorder. Generally, you must have an extreme limitation in at least one of the following areas, or a "marked" limitation in at least two of the following areas:
Let's discuss what Social Security looks at to decide whether your limitations are severe enough to rise to the level of a disability. First, a marked limitation in understanding, remembering, and applying information refers to being seriously limited in the abilities to learn, recall, and use information to perform work activities, including in being able to do the following:
Second, a marked limitation in interacting with others refers to being seriously limited in the abilities to relate to and work with supervisors, co-workers, and the public, including being able to:
Third, a marked limitation in concentrating, persisting, or maintaining pace refers to being seriously limited in the abilities to focus attention on work activities and to stay on-task at a sustained rate, including the abilities to:
Finally, a marked limitation in adapting and managing oneself refers to being seriously limited in the abilities to regulate emotions, control behavior, and maintain well-being in a work setting, including the following abilities:
Remember that to meet the standard listing, you must have an extreme limitation in one of the above areas or a marked limitation in two of the above areas.
Most applicants who Social Security finds disabled because of depression do have evidence of marked or extreme limitations. But Social Security can find that you're medically disabled without those limitations if you can show that you're only able to function as well as you do because you get a lot of help.
Applicants who've been living in a highly structured or protected situation or undergoing intense therapy can't always show they currently have the functional limitations discussed above, so Social Security provides another way to meet the listing for depression.
Social Security will look for evidence of a support system that you can't function without, such as social workers, group homes, intensive mental health therapy, or family members who make sure that you're taking care of yourself. You must also show that you have little ability to adapt to demands that are not already part of your daily life or to changes in your environment that would make the stress and demands on you greater.
Meeting the requirements of the clinical depression listing, above, isn't the only way to receive an approval for disability (though it is the most common).
If Social Security finds that your depression isn't severe enough to meet the listing above, the agency will determine if you can be approved for benefits by being granted a "medical-vocational allowance." Social Security will consider how your depression symptoms affect your ability to do any type of unskilled work, by looking at your ability to:
Social Security will then give you a rating of the type of work it thinks you can do (skilled work, semi-skilled work, or unskilled work).
If depression is the only impairment you listed on the disability application, getting disability will be a long shot unless you have severe, disabling depression and can qualify under the listing for depression. But if you also have a physical impairment or another mental impairment along with depression, you have a better chance of getting benefits.
For instance, if Social Security decides you have the mental capacity to perform unskilled work, but you have a physical impairment that requires you do sit-down work, Social Security might grant you benefits if it decides you aren't qualified to do any sit-down jobs. To understand how Social Security makes these decisions, read more about getting disability benefits based on a medical-vocational allowance for a mental disorder or see our article on how moderate depression affects the disability decision.
If you're applying for Social Security disability insurance (SSDI), you can file your whole claim online on Social Security's website. Applying online is generally the fastest way to apply for benefits, but you can fill out the application at your own speed.
Most individuals filing for SSI only can't file the entire application online, but they can get started on Social Security's website. If you're not comfortable online, you can call Social Security at 800-772-1213 to start your claim. For more information, see our article on applying for Social Security disability benefits.
If you'd like help with your application, or you just can't get started, think about working with an SSDI expert. According to a survey of our readers, applicants who filed an initial application without expert help were denied 80% of the time.
After you submit your application, your state's disability determination services (DDS) agency will assign your claim to a claims examiner for review. If your examiner doesn't find enough evidence of your medical condition in your medical records, you may be required to attend an interview or undergo a "consultative mental exam" with an SSA-approved psychiatrist or psychologist to verify your condition.
The process can take several months, but the more evidence and medical documentation you are able to provide, the better your chances of being able to get your claim approved.
If you receive a denial letter and feel your case is strong enough to win an appeal, consider contacting a disability lawyer. Applicants who go to an appeal hearing represented by a lawyer have a better approval rate than applicants who represent themselves.
Updated May 10, 2022