I feel very lucky. I had short term and long term insurance. After a year, I was required to apply for SSD and received it. The insurance company reduced what they give me by the amount of money I get from SSD, but I still get 60% of my regular income. Since I paid for my LTD with after tax money I don't have to pay income tax on it. My eligibility is re-evaluated every year or two but I can continue on it until I reach retirement age. I don't know if they go with 62 or 66. (my DOB means that my full retirement age is above 65)