Direct answer
No, because disability insurance policies are designed to replace a portion of your income, typically capping out at 60% to 70% of your pre-disability earnings. This structure is intended to prevent over-insurance and encourage a return to work when medically possible.
General underwriting principles and common policy limitations found in individual disability insurance contracts. For additional information about typical policy coverage and common limitations, see the Insurance Information Institute‘s guide to disability insurance.
What this means for you
No, because disability insurance policies are designed to replace a portion of your income, typically capping out at 60% to 70% of your pre-disability earnings. This structure is intended to prevent over-insurance and encourage a return to work when medically possible.
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