Can You Have 2 Disability Insurance Policies? 
Yes . And , they can be from different carriers , although I recommend that for convenience sake that they be from the same carrier , if possible . If you go on claim , you might have double the paperwork with two , separate carriers . It often happens , for example , that one be covered by a group plan at work and yet still not have up to 2/3 of income insured against disability . The maximum monthly benefit allowable on the group plan and any other voluntary employee DI benefits one can buy might not stretch to reach that goal . -LRB- The total amount of income replacement from all coverage usually can not exceed 2/3 of income . -RRB- Often , the provider of the group plan of insurance also writes coverage for individuals . An individually-owned supplemental policy can wrap around the group coverage . If the group carrier doesnt write individual policies , however , most any good DI carrier provides such additional coverage . 