Hi There:
If you are retired on disability, benefits you receive under your employer's disability retirement plan are considered earned income until you reach minimum retirement age. However, payments you received from a disability insurance policy that you paid the premiums for are not earned income.
So if you have earned income you could be eligible for a individual retirement account, but there could also be additional limits. Please see
https://www.irs.gov/retirement-plans/traditional-and-roth-iras
