It depends on what disability you are going for. We had a private disability insurance in dispatch, so I was off for 90 days on sick leave and then quit and took 2 years of disability under that company. It took a shit ton of paperwork, endless meetings with HR and lots of doctors visits but was totally worth it. I could stay "employed" for the first 90 days but not actually show up at work. It was the best possible outcome because I still got 60% of my pay for the 2 years.
If you are going for social security you are looking at a minimum of 2 years and at least one denial plus a crap ton of paperwork.
They will give you back pay, but that's not really helpful while trying to pay today's bills!
You can't apply for SS while you are working - because they will say, well, you are working. Its a total catch 22. But you may be able to apply for medicaid based on your income, which can help with medical insurance.
The dispatch disability company handled the SS stuff because they got reimbursed from my back pay for what they paid me. They used a company called
allsup who did all of the paperwork, which was super, super helpful. I know allsup handles private claims but you can't start with them until you stop working.
I didn't go thru any state workmans comp programs so I'm not sure how that works.
Oh ya - and then there was the 5 year fight with the VA LOL
I don't want to discourage you, because it is worth it in the end. It's just going to be a long annoying process. The best thing you can do right now is to start keeping a
detailed daily journal about how you are feeling physically and emotionally each day, what you could and could not accomplish each day, when you use sick leave and why, track all your medicines (when, why and how often you are taking them) and good notes on any doctors appointments you have. That will be very, very helpful when you have to start filling out paperwork because a lot of times they want to know how you've been coping and what you've been doing over the past 3/6/12 months.
whew!
