I think it is most likely that your inheritance will have no effect on your disability coverage, if that is in fact what it is, as long as there is no "means cap" on the particular type of benefits. The single most likely place you'd find a means cap would be Medicaid.
If your benefits are being paid on a disability insurance policy, whether group or individual, the benefits are governed by the terms of the policy: it is a contract, and the insurance company cannot add anything to what is already there. I have never heard of a disability policy that even mentioned an inheritance to a beneficiary as a disqualification of any sort.
Whether you have to use any of your inheritance for medical bills would depend on whether you have expenses that your insurance or benefits don't cover.
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