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There is a very wide variety of "insurance" coverage from employers, public sources and private policies, and you should address your questions to the administrator of the insurance plan in order to get an accurate answer - but in general...

Social Security Disability Benefits aren't a means tested program; eligibility doesn't depend on whether or not you have some other means of support. Most long term disability insurance is designed to replace your income in conjunction with Social Security disability benefit so that the sum of the two benefits enables you to continue in a lifestyle similar to the one you had before you became disabled.

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Q: Why can't I collect long term disability and social security disability at the same time?
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