Hi Chris:
I gave up work because I was fired twice in four years. I applied for disability and got it immediately thanks to the support of the doctor I had at the time who was great.
Giving up work is a huge loss. I was a funeral director and loved my job. The people I worked with had huge losses which made my struggles seem small.
In the end I realize I was deluding myself. I was put on disability because of depression (ack - a depressed funeral director

). Because of the way I was fired I did take the funeral home to the Human Right Commission and I did win my case.
It's a tough call for any of us. Good luck with your decision.