Originally Posted by reverett123

EugeneS-
Let me be sure I understand. You have had an official dx for a year but you already had LTD through your job at the time. And you haven't informed your employer yet.

If that is so, then I would first do a little snooping and figure out who the underwriter is and how solid are they. Also, are they SOBs who smile until you need them? Or do they play by the rules?

The best thing about having the LTD is that it will help you through the period between your last day on the job and when your disability (SSDI) starts. Then once it begins there is another two years before Medicare starts.

So, if I were you I would retire ASAP for two reasons- 1) In this economy no one knows what will happen. What if your employer says they just can't bear the cost of insurance any longer, for example? and 2) Job stress is not good but it is typically something we are conditioned to endure. Forget that and start using a "no more heroes" policy. You need a nap in the afternoon? You should tell your boss so that when you do file he can truthfully say that it has affected your work, etc.

You mentioned that you are an engineer. If you don't already have experience being self-employeed, time to learn. Once you get SSDI you can still earn up to $700 per month. Maybe your employer can be your first client.

This is a slow process, too. From the time you file the first paper to when your last approval come through can take as much as three or four years, so don't dawdle if it isn't justified. Good luck.