Can You Have More Than One Disability Insurance? 
You can have more than one disability insurance policy however companies have limits in regards to the total amount of disability insurance , usually a percentage of income , an individual can maintain . Generally you can insure approximately a total 55 % of verifiable income . It does not matter if you have one or five policies the total can not exceed the maximum amount . As your income increases , you may be able to increase you monthly disability benefit as well . If you have an employer paid group policy the total amount of coverage possible may exceed the maximum possible if properly set up but the timing of such coverage is critical . 