The income from disability can make you self-sufficient, which is an important thing to weigh. I also got some financial help from a sibling for an interval between not working and when I started collecting SSDI. But I was very glad to be able to not need any help. I have to be frugal and careful with my money, but I am not going in want. My family doesn't have to worry about me. That was a relief.

I too say that I am just early retired.