Even if you are undecided, file now. TN has one of the worst denial rates for disability claims - something like 85% get denied on the first application, and only 6% get approved on appeal. After that, you file for a hearing before a judge which takes about 16-24 months to get and really requires a lawyer to represent you. So even if you're not sure about it, start the paperwork. My DH has degnerative discs in his back, has had unsuccessful surgery, and has lost the use of his right hand and arm and he was denied. They said he was disabled but that there are jobs he can do. They can do this even if the jobs don't exist where you live. And honestly, why would he get hired over someone who has the use of both hands? If he was legally declared disabled, the employer would probably get a tax break for hiring him.