All of this and so much more. My husband just passed 3 years, unable to work in the prime of earning years. He was also very enmeshed with work being his identity and its been hard for him to not feel guilty. We're in a constant battle with doctors and disability to prove that he's not the same person he was. US laws and disability and medical insurance are filed with gaps and pitfalls. It's a terrible situation and so many are suffering.