When it comes to protecting your income in the event of an illness or injury, it pays to customize your disability insurance policy. There are several riders available that can help you get the most out of your policy and ensure that you are getting the coverage you need. Here are some of the most common riders you can add to your disability insurance policy.

The Automatic Increase Benefit (AIB) rider is a great way to ensure that your disability income insurance keeps up with your increasing income. This rider allows you to increase your disability income benefits at predetermined intervals, usually every two or three years, without having to go through the process of reapplying for coverage. This can be a great way to make sure that your disability income benefits are keeping up with your income, so you don’t have to worry about being underinsured.

The Cost-of-Living Adjustment (COLA) rider can help you protect your income against inflation. This rider allows you to adjust your disability income benefits at predetermined intervals to keep up with the cost of living. This can be a great way to make sure that you are not losing purchasing power while you are disabled.

The Full Benefits for Mental or Nervous Disorders, Alcoholism, or Drug Abuse rider can help you get the coverage you need in the event of a disability due to a mental or nervous disorder, alcoholism, or drug abuse. This rider can be added to your policy to ensure that you are getting full benefits in the event of a disability due to one of these conditions.

The Guaranteed Insurability Option (GIO) rider is a great way to ensure that you can increase your disability income insurance coverage in the future, even if you have a pre-existing condition. This rider allows you to purchase additional disability income insurance at predetermined intervals without having to go through the process of reapplying for coverage. This can be a great way to make sure that you are always getting the coverage you need.