Don't feel guilty, you were lucky, that's great!
With contributions based, if you can get into the support group, your payments wont stop, they go on as before, so if you get put into wrag and feel you have support group descriptors appeal it, you have nothing to lose, and continued payments to gain!!!
I will be fine, I should get into the support group, I have lots of evidence and legal backup, but even if I don't I will tell them to shove it and live frugally until I am able to get better and get back into work. My family can financially support me to an extent until I'm back on track. Thank god for families