Having life insurance generally does not affect eligibility for Social Security Disability Benefits. Life insurance is considered a private asset and does not impact the receipt of Social Security Disability Benefits. Social Security Disability Benefits are based on an individual's work history and contributions to the Social Security system, and are not affected by the presence of life insurance policies. Life insurance is designed to provide financial protection for beneficiaries in the event of the policyholder's death, and it is not considered income for the purposes of determining eligibility for Social Security Disability Benefits. Therefore, individuals can typically maintain their life insurance coverage without concern for its impact on their Social Security Disability Benefits. It's important to note that specific circumstances may vary, so it's advisable to consult with a financial advisor or an attorney specializing in disability benefits to ensure individual situations are properly addressed.