Insurers Typically Limit Coverage To 60% Or So Of My Pre-Disability Earnings. This Falls Short Of My Needed Coverage, Should I Become Disabled. Why Can’t I Buy Multiple Policies To Get Full Income Replacement?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Insurance companies are aware of the danger of too much disability coverage creating an incentive for a person to stay on disability even when it is medically possible for him or her to return to work. This is especially true when disability income payments are received tax-free (as they are in some situations). Besides, expenses related to getting to your place of business are not incurred when you are home on disability. Likewise, some bills (insurance, mortgage) may have disability clauses that waive payments while you are disabled. These factors mean that you may be comfortable living on less than 100 percent of your normal income. Insurance companies limit your total disability coverage to keep you from becoming inclined to stay at home when you are medically capable of returning to work. This is especially important if you have very long-term disability coverage.

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