Can I Have Two Disability Insurance Policies? 
Right , Right , Right , Right . In this case ... take the new plan . If this was outside of work , could you have 2 policies ? Sure can . & I dont mean short term plus ling term . Although my buddy Tim gave some sound advice about that ... There are many times that a person should keep the DI plan they currently own while considering a new plan . I wo n't list out all those reasons . They 're very situation specific . IF ... if you were thinking , `` I 'll have more protection if I own two plans '' , I would suggest researching a Critical Illness -LRB- CI -RRB- plan for its additional benefits . Its not an income/occupation based protection plan . There are no waiting periods , the money does n't trickle in month to month , and you receive upon diagnosis a lump sum benefit . Some carriers have plan from $ 5,000 to $ 500,000 . We often pair a Critical Illness with a Long Term DI plan to meet immediate cash needs & long term income replacement . Just a thought ... reach out through the site -LRB- respecting their rules about posting links to take you off the site -RRB- if anyone reading this wishes to learn more . THANK YOU !! - gravy 