I HAVE A DISABILITY POLICY I BOUGHT AT WORK, HOWEVER I OWNED MY OWN BUSINESS AND WIFE WORKED FOR ME FOR 22 YRS AS MY OFFICE MANAGER. I PURCHASED THIS POLICY FROM INSURANCE OFFER THROUGH WHERE I WORKED. IS THIS DISABILITY PAYMENT SOMETHING WIFE CAN GET. IT WAS BOUGHT WITH WHAT I GUESS U HAVE TO SAY OUR MONEY SINCE SHE NEVER DREW A SALARY. AND ALSO WHAT ABOUT SOCIAL SECURITY DISABILITY SAME QUESTION. I HAVE BEEN TOTALLY DISABLED FOR 6 YEARS.