Can You Have More Than One Disability Insurance? 
Yes . Many individuals will set up a short term disability policy as well as a long-term disability policy to cover different types of scenarios -LRB- e.g. if you become permanently disabled vs. being temporarily disabled -RRB- . Some individuals will have a group DI policy through an employer and supplement it with an individual DI policy if they feel the group DI does n't provide enough benefits or a very good `` definition of disability '' -LRB- the most important factor with DI coverage -RRB- - when buying disability insurance , make sure of -LRB- and understand -RRB- the definition of disability that 's being cited in the program -LRB- own occupation , modified , or gainful - this is the most important factor in your disability policy as it will determine if you are eligible for a claim when something happens -RRB- . Please note , disability insurance policies coordinate benefits so there 's a limit to how much coverage and what kind you can secure -LRB- most carriers will keep it to a maximum of 70 % of income - the percentage can vary by insurance company -RRB- . I hope the information is helpful - please feel free to contact me for help setting up coverage and if you have any other questions . Thanks very much . 