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Unfortunately disability policies aren't regulated at all by law in terms of whether an employee must offer them at all and what wage replacement % they must supply to disabled employees. You could theoretically if you desire go and buy insurance for the other 40% of income loss but you must make sure the policy does not coordinate with any other workplace policy (be sure to what you are attempting to do to the insurance agent). Further, a lot of insurance companies may not provide supplemental insurance because in theory they believe if you are making 100% income while disabled there is not incentive for you to try to return to work.
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