Probably, since most people are underinsured for disability. First you should study the details of your employer-provided plan. You should also investigate individual coverage that might better meet your specific needs.

Increasing coverage through work is particularly attractive to employees who might have a hard time obtaining comparable coverage on their own due to their age or existing health problems. That's because with most group plans, employees are offered the same premium as others in their general age bracket (e.g., 45-54 year olds), regardless of their health status or actual age. So if you have some health issues, the one-size-fits-all premium offered through your employer may be lower than what you'd be able to obtain if you tried to get coverage on your own.

One thing to be aware of is a exclusion called a pre-existing condition. This exclusion stipulates that if you're treated for a particular condition within three months prior to obtaining additional disability income insurance coverage through work, and that condition is the cause of your disability in the 12 months following your voluntary insurance purchase, then the policy will not pay any benefits.

An additional potential drawback to buying through work is that you're limited to the companies and products available to you through your benefits package. You might be able to find a better price or policy by shopping on your own.

Finally, be aware that most employer-sponsored disability coverage is not portable, meaning you can't take it with you if you leave your job. That's true even if you voluntarily increased your coverage.