Cautionary tale about Long Term Disability insurance & disability

[Guest guest]

Hi all,I've been working intermittently on disability for just over a year and it appears to have been a mistake. It appears it's better to just go on full-time disability. That way you can get your state disability for a year, and apply for SSDI disability. By the time the SSDI is approved, the state disability has run out. Now I'm faced with having been unable to apply for SSDI since I earned too much this past year. My state disability is about to run out, and NOW I need to go on full-time disability, and now I'll apply for SSDI, and it will take upwards of a year to be approved. What do I do in the mean time?Marie

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