If you logon to www.ssa.gov
and create your own account, you can see it is not much payment every month even if it is approved. But you might qualify for Medicare if you cannot get on your wife's health insurance plan. Having a young child at home can be hard, something I can sympathize. If you go back to your old employer, can you become immediately qualified under their LTD insurance? Sometime, parents or in-laws can help especially if you have a young child at home. What is BPM?