@kmlowe my liver transplant was 3.5 years ago. I applied for LTD- private, through my employer, and the company required me to apply for social security disability (SSDI) which they helped me with. I did all of this about 2 months before my transplant (I didn’t know I’d be called so quickly) but wasn’t approved until after my transplant, so it was retroactive. It was stressful to have that gap of uncertainty but all was well. I stayed on it for about 1.5 years then slowly returned to work. My private LTD canceled my payments with no warning the second I started this process. SSDI stayed on and I protected myself through their Ticket to Work program.

Do you have specific questions? I know how hard it is to cope with this stuff when you feel unwell and await a transplant.