How Much Disability Insurance Can I Have? 
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 . 