There is no point applying for JSB if you are not 100% free of illness and available for work as you need to be available for work to get it. You won't qualify for IP if you don't qualify on a medical basis regardless of contributions and it takes at least one year for a decision. Disability benefit doesn't exist, it is the means tested Disability Allowance which you may apply for. It will take up to one year for a decision on the DA, while you wait, you can get a weekly supplementary welfare payment from the local DSP representative in your local DSP office ( formerly known as Community Welfare Officer).