Debt collection calls when you’re trying to “make it” on disability benefits can feel like insult added to injury. And yes, we know the instinct to meet your obligations is strong. That’s what makes you a driven person. However, if you can’t pay and struggling to make ends meet, you might be happy to learn disability payments are shielded from most debt. We say “most debt” because Social Security disability insurance (SSDI) or individual disability income insurance can be taken to satisfy certain types of obligations.