If you have disability insurance, either through your employer or by private pay coverage, you are lucky. Disability is a higher risk than death for many people. However the terms of the coverage, the definition of what "disability" is and whether you qualify can be complex mix of medical-legal-and employment qualification issues. Often the insurance carrier will want prove of the disability , as defined in the policy, and later will want on going proof of the disability.
We can assist you on may issues concerning disability policy(s) but we no longer do social security disability matters.