Should I Buy Additional Disability Insurance? 
It really depends on two main factors as to whether you need additional disability coverage . The maximum amount of benefit to be paid under a disability plan can not exceed 70 % of your current income . Therefore , if you have enough short term and long term disability to cover the 70 % , some policies pay less 50 % to 67 % , then you have enough . If you find your maximum benefit is less than those percentages , then yes you should consider purchasing additional coverage . 