Frank - I think I would do some more checking in to this before making a decision.

Just some random thoughts . . .

If you don't go would that mess you up later on when you do apply for SSDI? If you don't go, is there a stipulation with SSDI and SSI that you can't apply again for so many years? It seems to me I read something about that.

If you do go on SSDI/SSI, what programs does your state have for assistance with health insurance plans? Is that an option for you?

If it were me, I would go. I would hate to risk losing the option for SSDI later on. Kelly is right. Most LTD require that you apply for SSDI when you start receiving LTD. By not going, you may mess up and lose BOTH.

Remember, if you applied in 2007, you will receive back pay from SSDI from 5 months after you had to stop working up until the time you get approved for SSDI. In other words, if your last day you could work was December 31, 2006, add 5 months (May 2007), you would get a back pay of your monthly SSDI from May of 2007 to the time you are approved.

Let us know what you decide and how it goes. I will be saying some prayers that all will work out for the best for you and your family.