It is my understanding that disablility is very hard to get if you are still working. However, there is nothing saying you cannot try. Just remember that many people have to apply and reapply.
As for getting help now, you should contact your local and/or state governement. They have programs that should be able to help you.
Also, check with your state's insurance commission and see if they can help you. They may have information that can help you with the insurance issue.
Hope you get some answers,
ladybrannon