Should I Get Supplemental Disability Insurance? 
Thanks for asking this great question ! Most commonly you may need supplemental disability insurance if you are a high earner and your existing coverage is through a group plan at work . Why is that ? Most group policies are not designed for high earning employees and may have a an income replacement amount that is not adequate for you . For example , a doctor earning $ 250,000 has group coverage that will cover up to a 60 % of income monthly , with a monthly maximum of $ 8,000 . In other words , their income replacement maximum it $ 96,000 per year . Do you think that going from $ 250k to $ 96k will a rude awakening in addition to being disabled ? Plus , that employer paid disability coverage will commonly be fully taxable as income . I hope that helps ! Ron 