Cindy,
I read your post to Christine. I also live in SF bay area, have IC and I'm on disability. I'm 27 and haven't been able to work for 2 years. I receive disability from Social Security and disability insurance (from former employer). Also California has state disability for 1 year. You might want to look into that. It's not easy, but I'm surviving.
I go to Dr Payne at Stanford. Who is your Dr?
take care,
Melanie