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Recently was speaking with a beautician who owns a shop...She said something to the effect that she has two disability policies - one that pays her bills in the event of her disability and one policy that pays her storefront's bills in the event she is disabled? This seemed like a wierd statment? Do beauticians who own their own storefront business often have two disability policies in effect, and how does that work? And if two are in effect, and she becomes disabled, would both policies pay at the same time, or only one policy pay until the other is exhausted? I didnt know you could potentially have TWO disability policies, but maybe you can - like having multiple life policies???