Thanks to all who have provided input! I, fortunately, do have decent private LtD, but am required to apply for SSDI. I have a representative doing all the paperwork - I have heard about everyone being declined! Mine was actually approved but ended (I received a lump some that I have to give to my LTD provider) because they based my claim on a blood transfusion I had while hospitalized, and not the underlying cirrhosis! So, we’re appealing that now. I am fortunate that I feel ok most of the time (fatigue is getting worse) or I wouldn’t be able to navigate everything we have to in order to get the support we need.

Thanks again - love this community - I’ve never been so into online forums till I found all of you!