Supplemental disability insurance provides the benefit of receiving around 80 percent of your take home pay instead of around 60 percent if you have no supplemental disability insurance.
Disability insurance has a base policy. But they also have options that can be added to the standard policy. Optional “add-ons” to the base policy of disability insurance are called disability insurance riders. Riders allow consumers to individualize—to add optional features, which address their specific income protection needs.