Yes, if your disability insurance policy has a benefit that is integrated with social insurance benefits.Most employer paid disability insurance policies are integrated with social security benefits, because of the lower premium they have to pay.

Individual disability insurance plans can be purchased with or without social security integration. Benefits that are not integrated with social security benefits will not be affected whether you apply or not for social security disability benefits.

Kimberly R. Powell has written:

'Social Security disability insurance' -- subject(s): Disability insurance, Social security

Yes, it is very common for disability insurance plans to include a clause for social security disability, meaning the insurance company will pay a portion of the monthly benefit, expecting that you would apply for social security benefits to pay for the "Supplemental Social Security benefits". In the event you get declined by Social Security, then the insurance company would cover the additional supplemental benefits.

Employer group plans as well as individual disability insurance plans can include that clause.

For the disability income insurance run by the Social Security Administration, the elimination period is five months.

Source : Insurance Producer

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