Should I Get Supplemental Disability Insurance? 
If you can afford it it 's not a bad idea . From your question I ca n't tell if you have employer provided disability insurance and you are looking to supplement that or if you are talking about buying a supplemental disability insurance policy as a voluntary employee benefit that might be your only form of disability insurance . However , the basic premise of `` insuring your paycheck '' is a sound one and is an area of risk that many people overlook . For example , one out of four 20-year olds will experience a period of disability before reaching age 65 . 