Disability policies coordinate with each other. Think about it. If you had 2 or more policies which when you add up the benefit would pay you over your income, ever one would have several. Generally speaking, depending on your occupation, income and medical status, your disability policy will cover anywhere from 50-80% of your income. If you have 2 policies, the 2 company would generally pay the difference up to the maximum, so up to 80% if that is the benefit you so qualified for.
I would strongly recommend that you send a copy of your policy to an agent/broker who works with Disability policies and see where you stand, what makes the most sense with a second policy, etc. IF you do not have an agent or broker, let me know and I’d be happy to give you a review and recommendation.
Oh, congratulations on having a Disability policy. That is an important step in maintaining your Financial Security.