I have been on disability for 7-8 yrs. Like you- it is something I never thought I would ever have to deal with.
Glad you are preparing for the future because attorney or not it can be a drawn out process.
I was able to get disability on my own. We decided for me to try on my own so we would be able to get all of my back pay instead of half going to an attorney. Things were tight & I also had a year of being in & out of hospital, missing holidays, birthdays & major events for our 4 daughters.
Filing for disability is a daunting task. My advice is to start out by researching Social Security Disability website & Medicare.gov & look through frequently asked questions & familiarize yourself with the process and terminology. I know when you initial apply they will try to get you on SSDI if you fall within certain criteria such as income & severity of illness or injury while you are going through the process. Also research attorneys in your area that deal with Social Security Disability. It used to be that you could start the process on your own & hire an attorney at any time you felt you needed it. It took me a 1 1/2-2yrs to get it on my own. However - I started the process and shortly after received a letter that they were backlogged & reviews were taking longer to process. Anyway a few years ago a friend of mine hired an attorney and hers dragged on just as long.
Whether or not you hire an attorney one thing you really must do is start keeping a journal, diary, log sheet, or calendar (whichever you prefer )of your daily life. Things you need to document are: how you are feeling, what activities you were or were not able to do, physician or specialist visits, medications taken or changed, etc.. You are a RN you know what you need to chart but, you also need to include extra detail like emotional feelings, things in your life that are affected by your conditions(s).
Whether you have an attorney or not you will be sent questionnaires asking questions basic questions such as physician/specialists you see with their contact information, medications taken-dosage, why you take it, if it seems to help, etc. Then there are questions such as: How long does it take to laundry, how many loads, do you need assistance? How often do you grocery shop, how long does it take you, do you need assistance? How often do you cook, how long, assistance? Are you able to shower/bathe/fix hair/dress yourself or need assistance? Etc. Etc.
Questions that really make you stop and think about normal everyday things you just do & don't think about. I was like hmmm well.....I don't know. On a good day it takes this long on a bad day it takes this long or doesn't get done. There were a lot of questions I had to answer that way.
My aunt who is also an RN as well as a patient advocate read over it before I mailed it & she told me that you have to make yourself sound as pathetic as possible. I was like, what?, no way. I am not lying. She was like no - you need to think how rough it is when you are sick & you are trying to do all the normal things & just can't, how awful you feel when hospitalized & things can't do & missing out on. Let me tell you - it is a hard thing to do when you are having a good day and filling out the forms. That is where my calendar & notebook came in handy - reading through my notes about how awful I felt, how just getting from bed to bathroom was challenging.
Make copies of anything & everything you send to social security or attorney. If you get denied at 1st (almost all applications get denied 1st go round) you/attorney will appeal & get 2nd set of papers. Another questionnaire with almost the same questions as the 1st - only they will be asked in a different way (to try & stump ya) . By this time you will have kept a better log of how long chores etc. take.
Those are just a few basic things I think you should know regardless if you hire an attorney or not because an attorney is going to have to get questionnaire answers from you .
All in all - Research, Document, COPY, Keep Copies & File your correspondence and each & every paper you get from or send back to Social Security or Attorney .
Hoping some of this information has helped. I tried to condense my experience of filing Social Security on my own & what little I know regarding hiring an attorney. My opinion is if you have some time to start the process yourself (because you are still working & are trying to plan ahead) then why not try & keep as much of back pay you get if awarded disability. On the other hand if health starts to get worse sooner than expected than maybe an attorney may be best.
Sorry my reply is lengthy - I am in no way an expert on health, social security or anything, but have personal experience with several health issues & have experience with various aspects of paperwork (professional & personal).
Good Luck!