How to Insure Your Income: Optional Disability Benefits and Riders Conclusion

Optional policy benefits may be added to either traditional or residual disability income insurance policies. The purpose of these optional benefits is to enhance overall protection and to help meet your specific needs.

The more common optional benefits include the future increase options, cost of living rider, Social Security rider and the additional monthly income rider.

Of course, this is not an all-inclusive list of optional income benefits. These options are the more common optional benefits provided by most insurers. For marketing purposes, a company can create any type of rider or optional benefit that helps to meet the needs of the public, as well as its own marketing goals.

If you need an optional coverage that's not included in any of the sales material you've seen, ask an agent or customer service rep to ask around. An insurance company can always customize a manuscript endorsement that meets your needs.