Listen Up. I am sort of on my own in life as many of us are. I have been advised by my doctor for over a year to  go on Disability, I finally did May 11, of this year.after 16 years I just could not do my job any longer due to pain and not able to function with out the meds that make me sleep and loopy at times. The only reason I decided to file  now is because I will be getting asetlement some time soon and it will be more than enough to pay the bills for a few years, or trust me I could not even think of not working, 
Now here is how it goes , first  you  tell the boss and if your work has Disabillity benifits  you  file for short term ones first, before they will even kick in  you  first  have to collect all sick pay and vacation benifits due  youl... this is  good in a way  cause it gives you  some time to  get the documents requested to geather  for the  assholes in charge of your case. 
if you are approved you will get 60 percent of your normal  pay, and still have to pay your share of the medical and  life insurance if you have those threw work .. now if  on short term you send this money to your  previaous employer, if its gone to long term you send it to the agency holding the policy, you may get  constant calls during  the day with hang ups  this is most likely  the  agents assigned to your case  checking to see if you are home. You may be watched and video taped if you leave the house for any reason. most of the time after dark you are safe from prying eyes..
Meanwhile you  apply for SSD this is the blood sucker that takes and takes from our pay all our lives so we are taken care of when we can no longer work . Yeah right HIRE a lawyer right away when you apply for this , they work on a contingency bassis and the fee is set so they can not screw you here but they will still get a nice hunk of change from your settlement check when  you get the first one   approximately  2years after you file , without a lawyer  plan on  4 or 5 years of waiting  and maybe still not getting it.. so just a little  tip  for those  that  think  they may  even possibly  have to  go on  disabillity  in a year or so,,, file for as many  credit cards as you can get DO Not USE them........ this is your disabillity money,,,,,now most credit cards have a potection clause they will pay your ballance if you are disabled or unable to work with a Doctors report to them,,,, make sure you have this set asside as much money as possible in advance or take a chance of loseing everything  you have worked for to this point, ..... 
Trust me most homeless people were not all drugiges or losers some were hard working stiffs  that life tossed them more than  they could handle
    
The  US government will rebuild other countries and feed thier homeless and medicate them but as for there own  well its is not happening, We are left to survive however we can, So use the system the best way you  can investigate what is available to you before you need it, stock up on medications you may need  to  get you threw  and never ever let them know how much you did manage to tuck away its none of there F***ing business You earned it and You already paid taxes on it .... Do your homework before  even applying for Disability... I hope this saves  even just one person of thinking ***hmmm Ill just file for Disability ***  It is not easy and you could lose everything just waiting for a deciesion, 
Thanks for letting me  rant. and no worries about me you all  I  did my  homework first.... Ill be OK
			
		