I am disabled from a progressive neuromuscular disease; I worked until I could not work any longer. I have not applied for SSDI and don’t intend to. Why not? I suppose that I could spend the money but in all honesty, I don’t really need it. I know people whose disability has caused them real hardship and they flat need the money but I don’t. I do plan to draw my Social Security when I turn 66 because by then DH will be retired (maybe) and we will be drawing down our retirement savings. My sister-in-law thinks I’m dumb not to take the SSDI and maybe I am…but then maybe I’m happy with enough.