Jason A. Matt: There’s typically three different forms of disability. There’s Workers’ Compensation, there’s Social Security Disability, and there’s private disability insurance. To qualify for Workers’ Compensation, you have to be injured on the job and you can no longer perform your job duties.
To qualify for Social Security is a little bit harder. Not only can you not perform the job you were doing, but you can’t perform any job at all. For private disability insurance, it’s an insurance contract between you and your insurance company. Like any other contract, you’d have to look at the terms of your policy.