I go to SS today to finish my SSD application. It took me forever to fill out the adult work history thing... I can't even imagine how long the actual application process takes. I also talked with my employer and my husbands... I am going to lose my insurance, unless we pay the COBRA (about 1/2 my husband's monthly salary). His office will not let him switch to their policy until January... so we're faced with no insurance or searching for some private insurance for a few months... which we can't afford. What have others done in situations like this? The other option is I say to heck with disability and force myself to go back to work, even though I'm not ready... against the advice of my doctor and even my principal. Anyone have any advice? I'd also appreciate prayers.