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Mental Health Conditions and Disability: What the SSA Approves

By Downard & Associates · 8 min read

Depression, anxiety, bipolar disorder, schizophrenia, PTSD — how the SSA evaluates mental health claims and what evidence wins them.

Mental health disability listings: Section 12

Section 12 of the SSA’s Blue Book covers mental disorders — including depressive and bipolar disorders (12.04), anxiety disorders (12.06), schizophrenia spectrum (12.03), and trauma-related disorders like PTSD (12.15).

The "paragraph B" test

Most mental listings turn on four functional areas: understanding and applying information; interacting with others; concentration, persistence, and pace; and adapting or managing oneself. You generally need an extreme limitation in one area or marked limitations in two — proven through treatment notes, not adjectives.

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The serious and persistent path

Paragraph C offers another route for disorders that are medically documented over at least two years with ongoing treatment and minimal capacity to adapt to change — built for conditions managed into fragile stability that still can’t survive a workplace.

What the evidence looks like

Longitudinal psychiatric or counseling records, medication history including side effects, documented episodes of decompensation, and third-party statements about daily functioning. A treating psychiatrist’s function-by-function opinion — off-task time, absences, response to stress — is routinely the strongest document in the file.

Mental + physical together

Many of our clients have both — depression secondary to chronic pain, or anxiety with a heart condition. The SSA must consider the combined effect of all impairments, and combined-effect arguments win cases that single diagnoses lose.

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