Can I Have Two Disability Insurance Policies? 
In the situation you 've described , no it would not make financial sense to carry two policies . Both are group plans and both restrict total payouts . You may have a cap of 70 % of your income or even 80 % which would allow for some additional coverage , but honestly it may prove expensive to do it this way . A situation where you could maximize your coverage is purchasing individual coverage prior to joining a group plan . There is no offset in place then and there is a potential to cover 100 % of your income . Individual first , group second . That 's the only way that works . 