Please take comments not relating or helpful to the original poster to PM.
Back to the topic,
HalcyonDays,
If you cannot work and have enough work credits it sounds like you should prepare to file, it may take time, so learning how best to get started is a good idea.
Have you seen the sticky threads at the top of the forum?
here is one -
Don't start your claim unprepared!!
http://neurotalk.psychcentral.com/thread148967.html