I'd like to add that my SSD check is approxamitely 40% of what I was making as an RN. While I was on LID, I was getting 60%. I have a friend who is in a labor union and says that their laborers don't have to give up their LTD, they have that and SSD. Wow! When I reach 62 or 65, whichever I choose, I will recieve a full pension from my employer. Apparantly I will need that to purchase my health insurance.

You know the annual statement that you recieve from the social security administration? If my husband went on disabilty at this time, he would recieve more on disability now than he would recieve in social security at 62. I don't understand that. So I have jokingly told him he needs to get injured or something so he can go on SSD. He knows though that I am joking 'cause he knows what an emotional adjustment you have to go through and all the legal stuff to get SSD.

It's not easy but I'm glad it's there.