i have a knee replacement. torn bicept. depression and anxiety caused by not being able to do much anymore. i was Very skeptical to say the least about citizens Disabilty. my wife did all the paperwork. i talked to them when needed but like i said ithought it was useless. but was sent a letter from social security that i was approved. and would be getting a check retroactive as to when i stopped working. and monthly going forward. CD took 15% of my back earnings which was well worth it.
Pros
they came through
Cons
nothing