• Menu
  • Skip to right header navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Before Header

Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

  • Facebook
  • LinkedIn
  • YouTube

OLF Ortiz Law Firm National Disability Attorneys

Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.

  • ABOUT US
    • Nick Ortiz
    • Our Team
    • Case Results
    • Testimonials
  • PRACTICE AREAS
    • Long Term Disability
      • Long Term Disability Appeals
      • Long Term Disability Lawsuits
      • Lump Sum Buyouts/Settlements
    • ERISA Disability Claims
    • Individual Disability Insurance
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • View All
    • Insurance Company Tricks And Tactics
  • RESOURCES
    • Blog
    • Get Free Resources
    • Lump Sum Disability Buyout Calculator
    • Long Term Disability FAQs
    • Social Security Disability FAQs
    • Long Term Disability Glossary of Key Terms in a Policy
    • Long Term Disability Case Summaries
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT

Mobile Menu

Call us today for help!

(888) 321-8131
  • ABOUT US
    • Nick Ortiz
    • Our Team
    • Case Results
    • Testimonials
  • PRACTICE AREAS
    • Long Term Disability
      • Long Term Disability Appeals
      • Long Term Disability Lawsuits
      • Lump Sum Buyouts/Settlements
    • ERISA Disability Claims
    • Individual Disability Insurance
    • Social Security Disability Claims
      • Initial Applications
      • Request for Reconsideration
      • Hearing Before an Administrative Law Judge
    • Personal Injury Claims
  • DISABLING CONDITIONS
    • Long Term Disability
    • Social Security Disability
  • INSURANCE CARRIERS
    • View All
    • Insurance Company Tricks And Tactics
  • RESOURCES
    • Blog
    • Get Free Resources
    • Lump Sum Disability Buyout Calculator
    • Long Term Disability FAQs
    • Social Security Disability FAQs
    • Long Term Disability Glossary of Key Terms in a Policy
    • Long Term Disability Case Summaries
    • Abbreviations in Social Security Disability Claims
  • Search
  • CONTACT
You are here: Home / Practice Areas / Long Term Disability & ERISA Attorney / Long Term Disability Glossary of Key Terms in a Policy / Rider in a Long Term Disability Insurance Claim

Rider in a Long Term Disability Insurance Claim

In the context of a long term disability claim, a rider is an additional provision or amendment to a disability insurance policy that modifies or enhances the coverage provided under the policy. Riders can be added to a policy at the time of purchase or later during the policy term, usually for an additional premium.

Common examples of riders in a long term disability policy include:

  • Own-occupation rider: This rider provides coverage if the insured is unable to perform the material duties of their own occupation, even if they are able to work in another occupation.
  • Residual disability rider: This rider provides coverage if the insured is able to work but experiences a partial loss of income due to a disability.
  • Cost-of-living adjustment (COLA) rider: This rider adjusts the benefit amount over time to keep pace with inflation.
  • Catastrophic disability rider: This rider provides additional benefits if the insured suffers a severe disability, such as the loss of limbs or paralysis.
  • Future increase option rider: This rider allows the insured to increase their coverage amount in the future without undergoing additional medical underwriting.

Riders can provide valuable additional coverage for individuals who want to tailor their policy to their specific needs and circumstances. It is important to carefully review the terms and conditions of any rider before adding it to a policy, and to consider whether the additional premium cost is worth the added coverage.

FacebookTweetPinLinkedInPrintEmail

Primary Sidebar

Top Ten Mistakes That Will Destroy Your Long Term Disability Claim

View All Resources

"I highly recommend Ortiz Law Firm. Very friendly staff. They helped me win my appeal against Liberty Mutual. Thank you all for being the best!!"

Lavanda T.

View All Testimonials

Learn More About Long Term Disability

  • Areas We Serve
  • Frequently Asked Questions
  • Denials and Appeals
  • Your Chances of Getting Approved
  • Medical Eligibility
  • Additional Parts That Do Not Happen in Every Case
  • Medical Conditions That May Qualify
  • Long Term Disability Insurance Carriers
  • Occupations That May Qualify
  • LTD Federal Court Case Summaries

Footer

Contact Us

316 S Baylen St., Ste 590
Pensacola, FL 32502
(888) 321-8131
[email protected]
Monday - Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 2:00 PM

Quick Links

  • About Us
  • Free Resources
  • Client Testimonials
  • Case Results
  • Nationwide Representation

Claims Handled

  • Long Term Disability
  • ERISA Disability
  • Individual Disability Insurance
  • Social Security Disability
  • Florida Personal Injury
  • Email
  • Facebook
  • LinkedIn
  • YouTube

Site Footer

© 2023 Ortiz Law Firm

Sitemap | Disclaimer | Privacy Policy

Share this ArticleLike this article? Email it to a friend!

Email sent!