What you're describing would be a pre-existing condition if you applied for a private disability insurance program at this point.

There is a temp state disability program in CA that you could receive if your doc determines you're unable to work.

Do not assume that getting SSDI benefits will be a simple or quick process. There are military vets rated at 100% disabled by the VA that spend years fighting for SSDI benefits even.

Settlement from where?

You may qualify for subsidized housing. You may want to check into the USDA direct rural home loan program. You may qualify for section 8 housing. If you are unable to work, you may find it to be very difficult to afford housing in the Bay Area.