I am on SSDI and also private disability insurance. No one ever ONCE asked how much money we had or made. I was simply disabled and could not work. I had 26 years of psych records and plenty of T records. I had been IP many times. I got them both on the first try.
I was a teacher and said "I really don't want to see hallucinations in front of my bunch of third graders. I think it might scare them." She signed right off.
You also might try the insurance and finance forum for more info.