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Push-Pull, I've had experience in supporting disability claims and I am fairly confident in telling you that you must have a medical professional supporting your position.
Is the doctor providing the meds supporting your claim? If not, s/he should be. Have medical alternatives such as surgery been discussed, if that is an option? That would be the only reason to mention your financial situation in that you are unable to pay for surgery. There will be no sympathy for your financial situation otherwise, and they might even think you are gaming the system for money. They are inclined to believe that from the beginning, because there are so many people trying to do just that.
Don't give up and keep appealing if you can. My experience with disability claims is that denials are routine just to wear the person down. But like I said before, you won't win without a medical professional backing you up.
Good luck and good health to you and your wife.
Pen
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"You can't ignore politics, no matter how much you'd like to." Molly Ivins - 1944-2007
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