Just a thought and a comment. I carry my own disability insurance, as I don't pay into state disability because I work in education. I've only had to use it once, when I had a surgery in 1995 that required several months of recuperation, but it was certainly easier to deal with than SSI, from the letters I've been reading here. This is well worth the (I think) $34 a month I pay out of my paycheck, as it gives me peace of mind. If I become disabled, my salary will be paid for 2 years. Sounds like that is about how long I'd need to fight for SSI, if it came to that. Anyway, if you have access to private disability insurance, I think it's a great idea to have. Peace, Beth.