It cetainly is a dilema..........I know I went thru it!!!



The main determination statement for disability is that "one can no longer do the job that is their occupation"
However the social security dept will want to know
a: if you have other qualifications, that would allow you to undertake a occupation you can do?

b: can you partially do either the job you do now or the above new job? ( if so you could qualify for partial disability)

obviously there is other criteria, but disability insurance is not means tested.
It is based on disability and whether you have had enough working credits to qualify.

The average disability check is about $700-800 per month thats for full disability.
Also if you qualify after 2 yrs and you are under 65 yrs , you will get medicare which can be cheaper than most private insurances and can pick up as a second payor to your current health plan.

There is a 5 month waiting period once you stop work before you get any money.........and often longer to get it although it is backdated

Depending on your financial situation..........medicaid can kick in! but you have to be pretty destitute, with no, non- needed assets!

good luck