Should I Buy Supplemental Disability Insurance? 
It would depend upon your present and projected income levels and the current amount of disability insurance you have . If you figure you 're going to top out at around $ 50,000 per year over the course of your life and you have a disability policy that would pay you around $ 33,000 + per year if you were disabled then you have effectively replaced your after tax net income . That 's not to say it would n't be wise to have more and to try to account for future inflation but your need for a supplement to maintain your current and projected lifestyle is not as great . On the other hand , let 's say you are a business owner , physician , executiveor really good salesperson who is earning $ 100,000 or more a year and you can reasonably expect that income level to be increasing in future years and your employer provides a disability insurance policy that tops out at replacing $ 50,000 of income . This amount would clearly be well short of replacing your current income level much less your anticipated future increases in income . Purchasing a supplemental disability policy , and try to get one that is not offset by your current disability policy , would be a wise decision in this situation . 