Hi, there is a site called "disibility secrets" was very helpful for me.Took me over four years to file as I just thought I was lazy and kept trying to run my business, after losing several hundred thousand dollars from bad decisions finally admitted I couldn't work steadily anymore. When I filed, It took three months for approval. So I guess the doctors were right despite my unwillingness to admit my weakness. It is now nine yrs after the sixth concussion and I still have trouble accepting what has happened to me. Oh well, I was at fault in most of the injuries.