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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.
Security you can trust
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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