I have been off work for 9 months and not getting any better. With the assistance of my FFC MD, I am going apply for SSDI. I heard that I could apply via phone or online and then submit the MD's report or I can send my application and MD's report in all at the same time. Will waiting to get the MD's report before applying help at all? Since the FFC clinic charges quite a bit for the report, I am going to need to wait at least a month before I have them work on it. Thanks.