I think there's a section on the forum here that offers financial advice - I'm Canadian so I'm no help, my disability was through work, I received full pay for up to 55 days (the maximum amount of sick days I could use at one time) then they automatically switch us over to short term disability for 3 years.. I know you need a purpose but health wise it's not a good thing - all it takes is a cold and you could end up in the hospital with pneumonia.