I am very curious myself. I am 53 and a single parent. I have 5 years at which I can take early retirement with medical benefits. The way I feel know, I am not sure I can last 5 more years working. I know I have a disability package at 60%. But I do not understand how social security disability or medicare apply. Can you get that in addition or is it excluded or prorated. I have a daughter heading to college in a few years and financially, I am very worried.

It would help put my mind at ease and be able to come up with a Plan B if I understood how these things worked.

Right now my plan is to try to keep working and keep the house (I have to stay in the school system for 2 more years). After 2 years, I hope to sell the house while my daughter goes to college and go into one of those small one-level retirement complexes with a pool.

It would really help me plan if i knew how social security, disability, medicare fit in to a private disability plan. Any light or guidance would be very much appreciated.
thanks, kathie