I'd go ahead and apply with your psychiatrists' support and see what happens. It's not that much paperwork and it is such a relief to get out of the loan. Now that I've passed my 3 year mark I can't wait to get my letter that says I'm out of monitoring.

My SSDI letter says 3 years to review also. I don't know if the rules changed or if they approved me anyway with the dr's input. I know she was very specific that there is no way I'm ever going to work more than a few hours again and probably not that and that the combination of diagnosies and severity make it impossible for me to work even with modifications or a reduced scheduled (both of which I'd tried). And it didn't take that long and I got the discharge letter. Last year I completely freaked out because I was getting ready for ankle reconstruction surgery and knew I wasn't going to be able to do anything for months and it occurred to me I hadn't heard from them. So I called in a panic and apparently I'd sent the form in 2 months before without any memory of it. I'm glad to be done with that one. Now I just have to keep Medicaid and my patient assistance med programs happy and life should be good .