Antidepressant use refers to the ongoing or past use of medications prescribed to treat depression, anxiety, or related mood disorders, such as SSRIs, SNRIs, tricyclics, or atypical agents. In underwriting, antidepressant use is evaluated alongside the underlying diagnosis, treatment stability, dosage, and any associated history of hospitalization or self-harm. Many individuals use antidepressants successfully with good control of symptoms and no significant functional impairment. However, severe, recurrent, or poorly controlled depression carries increased risk of disability, suicide, and comorbid conditions, which insurers must factor into risk assessment.

Underwriters examine antidepressant use by reviewing physician records, medication histories, and questionnaires that address symptom severity, treatment duration, and stability. Favorable cases involve mild-to-moderate depression with long-term stability, regular follow-up, and no hospitalizations, which may qualify for standard or mildly rated offers. More complex cases with multiple medications, recent dosage changes, or self-harm history may require postponement or declines. Advisors encourage clients to disclose antidepressant use honestly and to provide documentation demonstrating adherence and stability. Understanding antidepressant use in underwriting helps advisors approach mental health topics sensitively while setting realistic expectations about possible outcomes.