Who said that they were not affected by this economy? In case you don't really know, everybody is affected. It's just some people are PREPARED and sorry you cannot see that being sick is no exscuse!It must be nice to not be effected by this economy.
I wish I was as lucky and perfect as some of you are.
I will say this much. If somebody suffered a career ending disability, then they would lose everything they have by waiting on the decission which can be at least 4 to 6 months if not longer. Live frugal during good times for awhile & build up a safety net to where you can survive for several months just in case!