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What riders are worth it?
No two long-term disability policies are the same. Every policy will have the same basic structure, but it’s important for applicants to tailor their policy so that it fits their needs.
This can be done through different features and riders. Disability insurance carriers may make some features standard on their policies, while other riders may have an additional cost on top of the policy’s base premium.
In order to get a policy that works for you, consider these features and riders when applying for long-term disability insurance.
Don’t quite get long-term disability policies? No need to stress — check out our full explainer on how disability insurance works.