After having MS for 22 years, that decision was made for me last year. I went on disability through my employer, and MetLife required me to apply for SSD in order to keep the disability through work, I wasn't too concerned because nobody gets SSD on their first try. But guess who did! It was kind of a slap in the face because it made everything real. I would strongly recommend going on disability through work, you will be taken care of oh, and you don't want to put anyone else's life at risk. I am a widow, at age 56 and despite my own best efforts. LOL, I am being taken care of.