If you do not have a physician to give you a medical opinion, you will get denied for most disability claims. Insurance company may not be willing to approve you.
About apply for temporary disability:
To verify your doctor's recommendation, they will ask for a note from physician and you'll need proof of income. If you cannot provide documents, your apply for temporary disability will be denied.
-You can't be deported if you have temporary disability insurance policy.
-You can continue living with your spouse & children without fear of deportation.
Pros of apply for temporary disability:
If you or someone you know has a disability, you may be entitled to temporary disability or to have extended medical coverage. It is very good to apply for temporary disability which is beneficial.
-It is a great & highly pragmatic option. Person applying is not an ordinary citizen but has temporary disability
-Person applying has a diagnosis of disability
Pros of apply for temporary disability:
Individuals are encouraged to apply for temporary disability from the insurance website. But, you will have to mail a copy of your health insurance certificate to your State officer as proof of cover.
Cons of apply for temporary disability:
-You have to tell Social Security Administration your plan for back to work.
-You may not get benefits if you have no work, & if no income, you don't qualify.
While you apply for temporary disability insurance policy it may be hard to find another job that would meet the same salary, as you cannot work for a couple of months or at most a couple of years.