Disabled since Jan. 2009 with Diabetic PN. Started doing better after Fighting alergic reaction to Fentynl Patches up until May 09 which was causing severe bodily pain. Started doing well until Aug. 2009 in almost fatal truck accident. PN has totally disabled me since. Also still in process of fighting Insurance company over Injury settlement. Now on heavy morphine and gabapentin meds. Can never drive or work again. Past 10 yrs have been stay at home Husband taking care of my wifes Boer goat ranch up to Jan 09. I am only 57 yrs. old. I have a great SS retirement when of age but only have 10 points on the disability part.My question is should or can i file for SS Disability now or wait until after Insurance settlement? Also would I qualify for back disability payments for last 2 yrs.. If i qualified would Ins. settlement interfere with filing or qualifying? I NEED HELP