What they don't know is that private disabiltiy that comes from your employer is taxed. You do not get SSDI in addition to that. The private policy gets reimbursed when you qualify for SSDI.

It is not a cakewalk by any means to live on disability period!!

Also my employer's policy only covers one year of health insurance. If you can't come back to work, you have no insurance!!!

I literally dragged myself to work before the deadline and was declared partially disabled. I needed a doctors note to say I could go back to work with the following restrcitions, and the PT wrote a note that I had to use the elevator. This was not for MS, but a severe accident I had b/f dx of MS.

I am with you. I am trying to make it to full retirement, one way or another.