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I can't speak to the disability part, but this part will make you ask for some type of reform. My wife applied for SS when she turned 65. I come home from work one day and she gives me the name and number of a guy from the SSA that just helped her get her benefits. Says he wants to talk to me. I call and the guy tells me I can collect half of my wife's monthly benefit. I tell the guy I don't want to do anything to affect her or my benefits. He tells me I can receive this every month until I start collecting mine with no adverse affect to either.I've only had limited exposure to some of the approval process for SSD. I've heard from two or three people that have had some direct experience and they said even if you don't have a very good case for disability, just keep applying, it will eventually get approved.
There is so much garbage written into the SS laws and regulations a massive reform is needed, but no one will touch it for fear of losing their seat.