Can You Have Two Long Term Disability Insurance Policies? 
You can have two long-term disability insurance policies if your income warrants the extra coverage . Many policies contain both a percentage and hard dollar cap on monthly benefit payments . For some high income individuals , the hard dollar cap on the first policy may translate into a low percentage of income replacement . For example , a $ 5,000 monthly cap would represent 33 % income replacement for someone earning $ 180,000 per year . This happens frequently with group LTD programs . A second or supplemental policy could bring the income replacement percentage up to 66 % . 