Is Supplemental Disability Insurance Worth It? 
Is Supplemental Disability Insurance worth it ? That is a great question . If you need almost all your income to support your family 's lifestyle and home , then it certainly could be worth it for you . Group Disability Insurance can end up paying you only 45 % of your income , after taxes , and has restrictive features that a Supplemental Disability Insurance policy will expand upon . Also , Supplemental Disability Insurance can bump the amount you would get paid during a disability to 70 % to 80 % of your income . Finally , Supplemental Disability Insurance is generally portable whereas group DI policies generally are not portable . So purchasing Supplemental Life Insurance while you are still insurable can ensure having Disability coverage for the rest of your life . 