Well, I was on short term disability. I missed out on long term disability by less than a week... and in part due to my original GI mis-diagnosing me with DAC, and thinking that my last resection cured it... I won't go into that there, but it would have been nice to have retained my salary (60% of it) AND all my health benefits.
But that's not the reason I popped in here. If one applies/recieves disability, it can only come from 1 of 2 sources. Either from some social service agency OR from a private insurer. Regardless of the source, applying, figting to get it, and getting it ARE not the end of the battle. Both sources use investigators AFTER the fact. If you've qualified AND recieved benefits; then expect to live your life in a fishbowl. You will come under scrutiny.. you will be investigated, and you will be followed, observed, photographed. I know, I've done that work, and I have a close friend who does the same work for a social service agency. In my case all my clients were private insurance companies... and they routinely are going to spend $$$$$$ to find out IF you REALLY deserve any benefits you get. IF they observe, record, ANYTHING that could cast doubt on your 'disability', you better be prepared to defend yourself. Again, they will spend $$$$$$ legally to deprive you of benefits; AND if a ruling goes in their favor, they will be looking for payback... AND they have an amazing arsenal of ways/means to get it too!
I'm not suggesting people not apply for benefits. I'm just saying, that if you do get them... don't let down your guard for a moment. Never enjoy a 'good' day in public.. (and this disease does have them).. And don't sit back and relax in the notion that.. "Well, my doctor confirms I have this". The insurance company has enuff doctors who will say anything to trump what your doctors say, and it may be that your doctor is perfectly comfortable filling out an occasional form, but not fond of the idea of testifying in court, or in front of a medical tribunal..
So, apply if you need, hope you get it.. and if you do, keep in mind that a really mean 'big brother' who is willing to do almost anything, is always watching you.