Should I Get Supplemental Disability Insurance? 
I am not real clear on your question . Do you have disability insurance either on your own or through an employer you wish to supplement ? If this is the case there are some things to keep in mind . First disability insurance policies coordinate with each other . The benefits to you can not exceed the limits of the policies combined . For instance , one policy will pay up to 67 % and the other policy will pay up to 70 % of your current income . If your limit is $ 5,000 per month the very best thing to happen would be the terms may last longer by having a bigger `` pot of money '' in your benefit bank . If you are looking for a supplement to cover a long elimination period and you can afford it , then it may be a good idea . If your long term policy has a 180 day elimination period , you may need a short term policy with benefits as early as 7 days but only up to 180 days when the long term policy is met . Sit down with your trusted advisor to work out your details to avoid paying premiums with no benefits because of those limits . I am always available to help as well . Good luck ! 