Question
58 yr.old, female.  Haven't worked fulltime for about 10 yrs.(have 40 credit hours of working on job up until 10 yrs. ago). but worked temporarily 2 yrs. ago for 3 mons.(clerical). I have good days and really bad ones.   I have degenerative disc disease; hemilaminectomy 1993 L4-L5 (not successful);can't lift more than 10 lbs.;have hypothyroid disease; have some kind of bowel disorder (not confirmed diagnosis yet (poss. inflammatory bowel disease-was treated for ulcerative colitis for 2 yrs. but meds. weren't helping.  My husband is 70 yrs. old (juvenile diabetic/recovering 5 bypass heart patient)-self empl. realtor but getting to point he needs to slow down.  I still need health insurance. Do you think it would be worth it for me even to apply for disability and how do I go about it?

Answer
Dear Becky,   

To answer your question, I would say yes it might be worth it. You would need to contact your local Social Security office to get the ball rolling on applying for disability. I know you should be able to receive a check every month, but you might not get insurance because your married, but they will be able to tell you for sure.

Best wishes, Ken