A recent article in the San Mateo Times brought up a good point that’s sometimes misunderstood about private disability insurance and its relation to group disability insurance: The question of whether private disability insurance is effected by group disability insurance . The article correctly states the fact that your ability to receive social security disability benefits or group disability insurance benefits is unrelated to whether you have a private disability insurance policy. The reverse is also true. If you are receiving group disability benefits it should not effect whether you receive your benefit from individual (private) disability insurance or not. The one exception to this is if you have a social insurance rider on your disability insurance policy which is a somewhat rare rider. You can learn all about disability insurance at www.protectyourincome.com and get an idea of costs by requesting competitive disability insurance quotes on the site.