I mean, are you referring to long term disability? You can, it depends on what standard of living you want in the case both your legs fall off. In actual healt

I mean, are you referring to long term disability? You can, it depends on what standard of living you want in the case both your legs fall off. In actual health insurance, there is no longer a coverage cap. So you don't need a backup insurance plan past 5M or somethign anymore.