Why Buy Supplemental Disability Insurance? 
There are several reasons to considering buying Supplemental Disability Insurance . 1 -RRB- Group Disability policies usually pay 60 % of your income in event of disability , and if your employer paid the premiums , the benefits are taxed . Thus , the benefit you actually receive may be approx 45 % of your income . Supplemental Disability Insurance is not taxed and can possibly raise this benefit to 70 % to 80 % of your income . 2 -RRB- Any group benefit will be lost when you leave the group . Having Supplemental Disability Insurance can be valuable if you no longer qualify for Disability Insurance upon separating from a job and its group benefits . 3 -RRB- Group Disability coverage is often `` own occupation '' the first two years , then changes so that you will no longer receive your benefits if you can work at ANY job , not just your OWN type of job . Supplemental Disability Insurance can extend the own occupation feature to last longer than two years . You could also add other features such as a Cost of Living Adjustment rider . 