Can I Have Two Disability Insurance Policies? 
Can you have two disability policies ? Yes , and if you do it right , you can insure 100 % of your income . A person can buy an individual disability policy first for full benefit and then be covered by a group disability plan for full benefit . It is actually possible to have more than 100 % coverage if your situation works this way . There is no provision in either policy that reduces benefit to 100 % . Now if you have group before you have individual you usually will be capped at 70 % of income as the maximum between the two types of coverage . 