Most employees doubt their employer’s benefits could help keep them afloat financially if they missed work for an extended period, the Unum Group Inc. reports.

Most employees would consider buying more coverage if they had the opportunity at work, according to a survey by Unum, Chattanooga, Tenn.

Only 32% of those surveyed said the non-medical benefits they receive through work would provide adequate financial resources for them and their families should injury, illness or maternity demands made them unable to work.

In addition, 53% think they would not have enough money to meet their basic needs if they were unable to work for an extended time, and another 15% were unsure if they could weather an extended period of missed work.

If their employer offered them the opportunity, 59% percent said they would consider buying extra insurance to cover themselves financially.

Even employees with annual incomes of $100,000 or more felt unsure about their ability to bear the loss of income, with 41% indicating that they would not be adequately protected by the benefits they received from their employer.

Among employees aged 21 to 29, 63% would consider buying more coverage if it were offered through work. Among employees aged 45 to 64, 54% would consider taking on more coverage, Unum found.