Debating if I should individual disability insurance to Long term disability through work?

I currently have long term disability providing 60% income protection at $51 per paycheck every 2 weeks after taxes. My work is now introducing individual disability insurance for $11.24 per paycheck for an extra 7% of income protection (total 67%) and 100 % income protection for catastrophic events (loss of sight, speech, hearing, loss of 2 limbs). I don't know if this is a good deal or not or essential coverage? I am a pharmacist and my gross income is around 160k. I did the math for the coverage compared to long term if it's an extra 7% it shouldn't cost me more than $5.95 but i understand the extra cost is due to the catastrophic part. For $13.84 it would include cost of inflation not less than 2% no more than 7% annual basis. They say I can take this insurance with whichever company I work for. Anyone have this insurance or is familiar with it? I only have one week to decide to opt in or opt out