The Best Income Protection (Disability) Riders To Have & What’s Included

  1. Pure Own Occupation Rider
  2. Enhanced Residual Disability Rider
  3. Unlimited Mental Disorder/Substance Abuse Limitation Rider
  4. Annual Renewable Rider
  5. Cost of Living Rider
  6. Guarantee of Physical Insurability Rider
  7. Catastrophic Disability Rider

Included Riders in the personal LTD (Long Term Disability) coverage:

  1. Survivor Benefit
  2. Hospice Care Benefit
  3. Voluntary Suspension During Unemployment
  4. Presumptive Total Disability
  5. Surgical Transplant Benefit
  6. Rehabilitation
  7. Waiver of Premium

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