thank you for your response. i am dealing with multiple concussions in a span of a year. my doctors think that i will still recover but i'm losing hope and fear for my ability to pay for basic amenities like food and shelter.

my main concern is if i apply and am approved but my doctors turn out to be correct and i recover in a year or two, as Lara mentions, then will I be forever shut out of the private disability insurance market?

how do private insurers handle pre-existing conditions? imagine that i recover and am able to return to work. am i never going to be covered for brain injury in the future? where can i look this information up?