You have to go five months UNPAID to be considered disabled, and then there is a month and a half delay for the first check. I guess you have to SUFFER enough to prove to them you really really can't work, even if you are starving.
So we starve until the end of July and we won't have the huge lump sum we thought we were getting (to pay my doctor, and pay back my mom and go to the dentist, and a zillion other things we have been holding off on).

Not only will I not be able to pay off my mom immediately, but we will most likely have to borrow more to live till then.

We even owe our 19-year-old son through a bank screw-up where they applied his deposit to our negative credit balance as a payment so they could lower our credit limit. (WE HATE US BANK).
However, I have been approved. This will end. It isn't forever. We won't get a lump sum but at least I can count the days until I actually get a paycheck again.....72 days now.
Wow!