Does Disability Insurance Cover Unemployment? 
Disability Insurance does not usually cover unemployment . That is because Disability Insurance pays out based on whether or not you CA N'T work , while Unemployment pays out based on whether or not you CAN -LRB- and are willing to -RRB- work . In fact , if you apply for unemployment payments while you are applying for disability payments , the DI company may deny your claim due to conflicting statements . 