Seeking Guidance on Mental Health and Disability Coverage

How are you

I’m feeling really overwhelmed right now and could use some advice. I’ve been on short-term disability (STD) for the past two months because of mental health issues. My coverage ends at the end of October, and I just don’t feel ready to go back to work. I’ve been diagnosed with three different mental health disorders, which have made it super hard to manage things at work. Plus, I’ve been dealing with stress and harassment at my job, and I’m currently working with my union to figure it out.
I’m still technically employed, but I’m thinking about applying for long-term disability (LTD). The thing is, I’m not sure if my mental health qualifies, and the whole process seems like a lot to navigate. I’ve heard it involves assessments from insurance doctors, and I’m nervous about it
I’ve got a supportive doctor and psychiatrist, but I’ve only seen my psychiatrist once due to a shortage of providers in my area. I’ve also used the counseling sessions offered through work, but private counseling is just too expensive for me right now.One of my biggest worries is losing my job and, with it, my health insurance. I rely on it for my medications, which are really expensive. Financially, things are already tight. I’ve heard LTD benefits aren’t great, so I’m trying to figure out what to do if I lose my income. I’ve thought about getting a roommate to help with costs, but I struggle with cohabiting because I get really conscious of others’ needs due to past experiences. :grin:
On top of everything, it’s hard to plan for the future. My job could be done remotely, which would be ideal, but the job market isn’t looking great. A friend of mine in the same field has been struggling to find work, so I’m not feeling very optimistic about it. :smiling_face_with_tear:
If anyone’s been through something similar, has advice on applying for LTD, or has tips for managing health insurance and finances with mental health issues, I’d really appreciate it. I’m just feeling a bit lost and could use some help figuring out the next steps.

How can you help me on this…

The Social Security Disability Insurance (SSDI) :smirk:program offers financial assistance to those suffering from mental health disorders that have kept them from working for a minimum of 12 months. Covered are ailments including schizophrenia, bipolar illness, and depression. You have to have contributed to Social Security within a specific time period in order to be eligible.

Those with low incomes and resources may be eligible for Supplemental Security Income (SSI). In addition, it offers monthly payments to assist with living expenses and addresses mental health disorders. :smile:

Each insurer may have different policies regarding mental health issues. Pre-existing conditions may be subject to restrictions or exclusions under certain plans. To understand your coverage, it’s crucial to go over the specifics of your policy or have a conversation with your insurance company. :slightly_smiling_face:

The ADA, or Americans with Disabilities Act, :wink: For employees with mental health concerns, the Americans with Disabilities Act (ADA) provides safeguards and allowances. This might involve making appropriate adaptations at work to enable you to do your duties.

:weary:You may be eligible for Medicaid or other health plans that cover mental health care, depending on your region and income.