You are correct. My wife is trying to get disability insurance. She worked longer than her doctors wanted her to knowing how hard it would be for me to keep up alone. Finely they told her she had to quit. She’s working on her second denial now. Been out of work since July. She has days she can’t get out of bed because of her neropathy and nights she can’t sleep due to unstable blood sugar. I work 60-80 hrs a week when I can just to keep up. We started off with a lawyer.
Her sister who I think makes 90% of her issues up (all mental problems) had no problem getting approved.
Prayers up for you and your wife.