Disability insurance companies are careful not to over-insure, as policy holders with too much coverage lack an incentive to return to work. Most policies will limit the amount of income replacement to two thirds of your gross income. They will also ask if you have any other form of coverage, and will want to limit the combination to less than 70%.
Many policies will also offset any benefit payments you might receive from state short term disability, and social security disability.
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Many policies will also offset any benefit payments you might receive from state short term disability, and social security disability.