I am a 48 yrs old educator with a terminal degree. I worked for 15 years at both K-12 and higher education settings. I have 39% permanent disability. I suffer from fibromyalgia, degenerative disk disease (back and neck), and ADD, severe anxiety and depression which has impacted my health tremendously. I am worried that if I apply for disability benefits due to mental health I might regret it in the future. Any recommendation would greatly be appreciated.