Long-term disability insurance policies do not convert to Social Security Disability Insurance, a government-funded program, according to Social Security Disability Help. Unemployed individuals can apply for Social Security disability benefits after a six-month waiting period, regardless of private insurance status.
It is possible to claim both private long-term disability and Social Security benefits simultaneously, explains Social Security Disability Help. Some private plans require claimants to apply for Social Security Disability Insurance before receiving private benefits, with the insurance provider covering the difference between the Social Security payment and the policy benefit amount. To qualify for Social Security Disability Insurance, an applicant must demonstrate an inability to work.