JOFFE-WALT: Well, it's definitely not easy. It can be a long arduous process to apply for disability the first time, the second time. And this is part of the problem with the programs growing. As more and more people apply for disability, there's a growing backlog of applications. It can take two years to move through an appeal for a disability claim. You hear stories of people dying while they're waiting. And while you're waiting, for the most part you can't work, so you're not making income. And then in the end, of course, there's no guarantee that you will get back on the program.