I would get off the meds for as long as needed then pee in the cup or get blood drawn and then get back on drugs soon as results are in. Unless your depression is severe.
This is bad advice for a number of reasons.
A) No one, not disability insurance nor anything else drug tests for SSRIs
B) Depression will not make you uninsurable. There's millions of Americans on antidepressants and disability companies want their business.
C) When you apply for disability insurance, you waive your privacy and allow them to ask your health insurance company for records. This is not optional. They also search pharmacy databases for any prescriptions you've filled recently. This is also not optional. These searches are not 100% comprehensive so you may get away with lying, but if they catch you, it's a problem.
D) If you don't disclose any pre-existing conditions to your disability insurance company and later file a claim where they look back at your medical records and find one? They may deny your claim for lying to them.
Look, if you claim depression on the application for disability insurance, there's only a couple bad consequences:
1) Your premiums go up some
2) If you get disabled due to depression (now a known pre-existing condition) in the first X months of the policy (generally 24 months/2 years), it won't count for triggering the policy.
3) If you get disabled for any other reason in the first X months or for any reason after the first X months, its the same as anyone else.