Can I Have Two Disability Insurance Policies?

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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    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.
    Answered on June 12, 2013
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