Great advice - I’ll add that I was slow applying for Disability also. I kept waiting because I was unable to believe this illness thing wasn’t going to run it’s course and that doctors would know what’s wrong and help fix me! When I did apply, I recall Disability actually providing retroactive payments since I applied so long after my disability start. But I think it was only the amount that fell in that calendar year, (I’m not positive how long back they paid), so I wouldn’t wait too long.