Can I Have Two Disability Insurance Policies? 
In most cases , you can have multiple disability policies . However , it may not make much sense depending upon the reimbursement terms of each respective policy . Most disability policies have limits on the payment amount which is most often determined by a percentage of current salary . If you have multiple policies , you will need to reveal this to each , at the time of policy purchase and/or at the time of claim submission . Multiple disability policies often occur when an employee receives a disability policy from his or her employer but wants to supplement the amount of income reimbursement , in the event of an income loss due to a disability . Often , but not always , payment from one policy will be off-set by the amount of payment from an additional disability policy , so that the policyholder does not receive more than the actual amount of income loss . Read each policy carefully , particularly as each addresses payment provisions . 