A drunk driver T-boned your car at an intersection, and you and your children ended up in the emergency room. Your kids are fine, thank goodness, but they will need follow-up appointments as they recover from broken bones, lacerations and soft-tissue injuries. You need a couple of weeks off work while you are taking the pain medications, but even after your wounds have healed, the doctor thinks you may have permanent nerve damage in your arm and hand.
Social Security Disability benefits are notoriously difficult for applicants to receive. Typically, around 70% of applicants are denied benefits during the first application.