Use Short Term Disability: How? Panic Attacks. Get to your doctor immediately.
Use Long Term Disability: How? Continue with your Panic attacks
Look for work while out for this 4 to 6 month period and see for yourself what's out there.
People, use the hell out of any and all benefits you paid for and probably never used.
If you are only now thinking about all this, shows how clueless you were to your own well-being and the health of the BU. Unless you have a real fracture,the local Ortho clinics would not DARE put you on Disability and risk being removed from the panel.
'What, me worry ..? I am punching out at 3 PM everyday to use the Fitness center and have a long shower. Reduce the water heater bills.'