What Is Supplemental Long Term Disability Insurance? 
Supplemental Long Term Disability Insurance is Disability Insurance that supplements what is provided by your employer . Group Disability policies usually pay 60 % of the employee 's income , and if the employer pays the premium for the policy , the benefit is taxed , reducing what is paid out to the employee . Supplemental Long Term Disability Insurance can increase this benefit , as well as offer some other features that the group Disability plan does not offer . 