{"id":1767,"date":"2023-07-29T17:24:10","date_gmt":"2023-07-29T17:24:10","guid":{"rendered":"https:\/\/independentinsurancebrokersllc.com\/?page_id=1767"},"modified":"2023-08-30T18:26:22","modified_gmt":"2023-08-30T18:26:22","slug":"customize-your-disability-insurance-policy","status":"publish","type":"page","link":"https:\/\/independentinsurancebrokersllc.com\/disability-income-insurance-for-individuals\/customize-your-disability-insurance-policy\/","title":{"rendered":"Customize Your Disability Insurance Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1767\" class=\"elementor elementor-1767\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b64a53b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"b64a53b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d1df3e\" data-id=\"1d1df3e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e00986 elementor-widget elementor-widget-heading\" data-id=\"9e00986\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Customize Your Disability Insurance Policy<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-91f6c18 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"91f6c18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-06eb135\" data-id=\"06eb135\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d21c63 wpr-advanced-accordion-icon-side-box elementor-widget elementor-widget-wpr-advanced-accordion\" data-id=\"1d21c63\" data-element_type=\"widget\" data-settings=\"{&quot;active_item&quot;:1}\" data-widget_type=\"wpr-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n            <div class=\"wpr-advanced-accordion\" data-accordion-type=\"accordion\" data-active-index=\"1\" data-accordion-trigger=\"click\" data-interaction-speed=\"0.4\">\n\n\t\t\t\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-telegram-plane\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Get the Most Out of Your Policy: Personalizing Your Disability Insurance<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>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.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-telegram-plane\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Automatic Increase Benefit Rider<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>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\u2019t have to worry about being underinsured.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-telegram-plane\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Cost of Living Adjustment (COLA) Rider<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>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.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-telegram-plane\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Full Benefits for Mental or Nervous Disorders, Alcoholism or Drug Abuse Rider<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>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.<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                \n\t\t\t\t\t<div class=\"wpr-accordion-item-wrap\">\n\t\t\t\t\t\t<button class=\"wpr-acc-button\">\n\t\t\t\t\t\t\t<span class=\"wpr-acc-item-title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-icon-box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-title-icon\">\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-telegram-plane\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"wpr-acc-title-text\">Guaranteed Insurability Option (GIO) Rider for Disability Income Insurance<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-close\"><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t<span class=\"wpr-toggle-icon wpr-ti-open\"><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/button>\n\n\t\t\t\t\t\t<div class=\"wpr-acc-panel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"wpr-acc-panel-content\"><p>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.<\/p><div class=\"notranslate\" style=\"all: initial;\">\u00a0<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n                    <\/div>\n\n                            <\/div>\n        \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ecb786b\" data-id=\"ecb786b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d8f6d6 elementor-widget elementor-widget-image\" data-id=\"6d8f6d6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"960\" height=\"640\" src=\"https:\/\/independentinsurancebrokersllc.com\/wp-content\/uploads\/2023\/07\/18-min-1024x683.jpg\" class=\"attachment-large size-large wp-image-1366\" alt=\"\" srcset=\"https:\/\/independentinsurancebrokersllc.com\/wp-content\/uploads\/2023\/07\/18-min-1024x683.jpg 1024w, https:\/\/independentinsurancebrokersllc.com\/wp-content\/uploads\/2023\/07\/18-min-300x200.jpg 300w, https:\/\/independentinsurancebrokersllc.com\/wp-content\/uploads\/2023\/07\/18-min-768x512.jpg 768w, https:\/\/independentinsurancebrokersllc.com\/wp-content\/uploads\/2023\/07\/18-min-1536x1024.jpg 1536w, https:\/\/independentinsurancebrokersllc.com\/wp-content\/uploads\/2023\/07\/18-min-2048x1365.jpg 2048w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f904887 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"f904887\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9154a41\" data-id=\"9154a41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46587c4 elementor-widget elementor-widget-text-editor\" data-id=\"46587c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When it comes to protecting your income in the event of an illness or injury, it pays to customize your disability insurance policy. Taking the time to add riders to your policy can help you get the most out of your policy and make sure that you are getting the coverage you need. Whether you are looking to increase your coverage with the AIB rider, protect your income against inflation with the COLA rider, get full benefits for mental or nervous disorders, alcoholism, or drug abuse with the Full Benefits rider, or ensure that you can increase your coverage in the future with the GIO rider, there are many riders available to help you get the coverage you need.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Customize Your Disability Insurance Policy Get the Most Out of Your Policy: Personalizing Your Disability Insurance 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. Automatic Increase Benefit Rider 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\u2019t have to worry about being underinsured. Cost of Living Adjustment (COLA) Rider 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. Full Benefits for Mental or Nervous Disorders, Alcoholism or Drug Abuse Rider 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. Guaranteed Insurability Option (GIO) Rider for Disability Income Insurance 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. \u00a0 When it comes to protecting your income in the event of an illness or injury, it pays to customize your disability insurance policy. Taking the time to add riders to your policy can help you get the most out of your policy and make sure that you are getting the coverage you need. Whether you are looking to increase your coverage with the AIB rider, protect your income against inflation with the COLA rider, get full benefits for mental or nervous disorders, alcoholism, or drug abuse with the Full Benefits rider, or ensure that you can increase your coverage in the future with the GIO rider, there are many riders available to help you get the coverage you need.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":1750,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-1767","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/pages\/1767"}],"collection":[{"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/comments?post=1767"}],"version-history":[{"count":10,"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/pages\/1767\/revisions"}],"predecessor-version":[{"id":2086,"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/pages\/1767\/revisions\/2086"}],"up":[{"embeddable":true,"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/pages\/1750"}],"wp:attachment":[{"href":"https:\/\/independentinsurancebrokersllc.com\/wp-json\/wp\/v2\/media?parent=1767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}