If individual investment accounts become an integral part of Social Security, as President Bush is proposing, what will happen to workers who become disabled before they retire? Will they be allowed to draw on the savings in their retirement accounts? Will their standard Social Security benefits be increased to make up for the fact that because they have worked fewer years, their personal accounts are likely to be smaller than those of retirees? If they do receive higher benefits, will they have to forfeit their investment savings? These are among the dozens of questions posed in a report issued on Wednesday by the National Academy of Social Insurance, a private, nonpartisan organization of academics and government officials who specialize in issues like Social Security, Medicare and unemployment compensation.