No. Most people do not realize that originally social security was a disability plan. Without getting too "actuarial", when originally designed the "retirement benefit" was based on when people were actuarially dead. The assumption was anyone who loved to be 65 was so old, they were by definition disabled. We live far longer these days and so Social Security has been a third leg to most retirement plans.

The problem is SS disability is a "minimum" plan, since everyone has different needs. Unless your standard of living is geared towards minimum wage, people should purchase disability insurance.

But keep in mind, Social Security was intended not to be an "entitlement", but a government administered insurance plan. Now it has morphed into an entitlement where even taxing people 16% of what they earn is not enough and the plan is going broke. Imagine how much more they would have to charge if they increased the benefits or the coverage.