If your company offers supplement long-term disability insurance, then take them up on it.
You probably already get some for free.
If they offer additional benefits that you have to pay for, it’s worth considering.
I won’t bore you with details, but group coverage through work will be cheaper than what you can get on your own.
The same is not true for life insurance.
Usually buying additional life insurance through work is not worth it.
The group life insurance is usually MORE expensive than what you can get on your own.
THE TAKEAWAY: Talk to your guy/gal about purchasing additional long-term disability insurance and NOT buying additional life insurance through your employee benefits.
