It is a major part of social security. It pays your part of wage and helps you cope with health problems. If employer has to close you, he can get benefits.
About long term disability for depression:
In long term disability for depression you have never been diagnosed as being depressed, the Federal government will give you what is known as an Income Based Long Term Disability Insurance policy.
-You can obtain disability in the early stages of depression without needing a formal disability application.
-You can make use of short term disability.
Pros of long term disability for depression:
In long term disability for depression insurance policy cover is often confused with patients with chronic pain syndromes. Both symptoms & the treatment are similar to other physical pain conditions.
-Process for receiving disability is shorter than other disability options.
-You will likely have access to same care as any other person with disability.
Pros of long term disability for depression:
Patients with depression have biological predisposition to pain with reference to long term disability for depression. Issue with depression is that it interferes with their ability to think clearly.
Cons of long term disability for depression:
-System tends to underpay because it does not apply to other illnesses, it is also stressful as a person works to get a diagnosis & fight for disability.
In long term disability for depression it makes it difficult for them to respond to pain, cope with injury, or recover from it & affects length of time that patient is incapacitated from depression.