Thanks for the input. I was out of work on STD the beginning of last year, for about 2 1/2 month while recovering from my surgery. I am still working, but also, just looking ahead to what my options might be in the event that I become unable to work.
Mama: I like the idea of the weekly journal, and have been meaning to do that. I think some of my posts here would be helpful as a starting point. I also copies of all my tests in a binder and are tabbed by date with Dr's name and name of test, and date, of course. That helps me keep things in order as well.
I work in an insurance agency, and one of our customers has applied for SS due to a torn rotator cuff. He's 61 and they say the recovery time for him will be about a year - he builds houses for a living. The SS rep he spoke with over the phone made it sound to him like he'll have his checks start coming in about 6 months. I (quietly) said to myself, "yeah, right", based on what I've been hearing and reading. Obviously his age will be a factor. I'll be interested in following him to see what happens.
We got about 4 inches of heavy wet snow today already. I slipped on some ice while delivering a meal to a co-worker who just had surgery. I'm paying for it now - I'm wearing my heated neck wrap my sweet daughter got me for Christmas. I'm moving to Arizona where they don't have snow and ice!