Yes.
You describe it perfectly.
Going on SS disa is not that easy. It’s six months before you collect, btw. And it is a wait of two years before being on Medicare.
We had to pay COBRA on husband’s company plan for two years and it weren’t cheap.
But no, SS disa is really not a walk in the park. I argue that my example of the bricklayer and other guy are the sorts who are going on SS disa.
The economy is effectively making this happen. Both of those folks I mentioned upthread, I do believe, would be working and productive.
But no jobs is no jobs and no money for six months is no money and no insurance for two years is no health insurance so after going through all that, why not apply for disability?
All I know is they got it so somebody approved their applications.