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 wouldn'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, executive or 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.
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On the other hand, let's say you are a business owner, physician, executive or 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.