Can I Have Two Disability Insurance Policies? 
Under your current situation I would not carry the old disability policy . Disability insurance is a coordinated product in the sense that any number of policies will not pay more than the maximum scheduled amount usually no greater than 70 % The only reason to carry two different disability insurance policies is if you purchase a short term and a long term disability insurance policy . The long term policy may have an extended elimination period of 90 days or 180 days before benefits commence . A short term disability plan can commence within in days and pay benefits up to the elimination period of the long term plan . What you are describing sounds like two long term disability plan and would not make financial sense to keep the other policy . 