I hope that helps!!
The lender looks at a couple things.
1. How long you have had the unemployment and disability income
2. Is it likely to continue for at least three years into the future - this is usually why unemployment, unless normal and customary for your line of work and happens every year, will not be able to be used
Lending looks at the past, present and future of a borrower
If you have any other questions - I would be happy to help
Best to you
Unemployment is not considered gainful employment and the payment benefits are short term at that.