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How do I get a lump sum for my disability benefits?
Ask the insurer or funder or sponsoring agency. A frank dialogue is the only way to obtain a meaningful answer to a question like this.  Of course, don't bother to ask this question until you speak with a medical professional (particularly the one who deemed you "disabled" in the first place)  
If I’m on VA disability, do I have to report a lump sum payout to the VA from a former employer?
If the payment was made after your Disability was confirmed, then yes. If is was before…than no.You have 7 yo 13 months of overage, depending on your disability, so don't sweat it….a month or two over is no big deal.
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