I am a liver transplant patient. When I applied, I went to SSI office about a month after my transplant. I let them know they could contact Mayo for my records. I was approved 2 months later but did not receive any check for another 4 months. They said I had to be disabled for 6 months before it would start. They used my transplant date as start date as i worked up to day of surgery. So i had transplant June 10 and received my first check January 9th. I also had to wait 2 years for Medicare. It cost me $850 a month for my cobra insurance for 2 years. I had to use what 401K my wife and I had to live for 6 months living expenses. Now I have Mayo collections coming after me for $70,000 that insurance did not cover of about $900,000 they did pay. So even when you do go onto SSI, dont expect it to be a cure all.