I was recently accepted for Long Term Disability through my employer. When I received the acceptance letter it included a brochure on applying for SSDI. The brochure was encouraging me to apply. It said my LTD Insurance Company would apply for me.
I called my Claims Manager and she said that they start the process of applying if its within 3 months of when I'd be fired from my employment and there is no end in sight for my recovery from cervical surgery. I have DDD and am facing cervical surgery (I don't know the extent or which surgery specifically yet).
I don't even know if I'll end up needing SSDI. My doctors and claims manager seem to think its a strong possibility.
My 31 yr old daughter has been on SSDI about a year. She applied because she has Multiple Sclerosis. Even with that disease she got denied once. She hired lawyers and was finally accepted.
So, its just wait and see now. If I need it at least my LTD Company will apply for me with their lawyers.