I totally agree with you joanne 199, I also can give more information on this that will make your blood boil!! Not only are people "faking mental illnesses to get disability(it is way easier to get it with a mental illness than a physical illness) Also people who are disabled, but have a private sector disability policy, are FORCED to apply for ss disability. There is a provision in the law that allows private disability companies to force the insured to apply for it,(they willeven get you a lawyer to help you at their expence). When the person is approved for SS disability the private disability insurance company get reimbursed by SS for all the money that they paid out to the insured!! In my case that amount was 86,000!!