Disability insurance riders

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PostPosted: Wed Sep 15, 2010 10:23 am   Post subject: Disability insurance riders  

I've heard that a rider can make a disability insurance policy more effective. Is that true? How many such riders are there?

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PostPosted: Thu Sep 16, 2010 4:40 pm   Post subject:   

What "more effective" do you mean? Using the money to pay for Long Term Care expenses might do that. But an exclusionary rider (usually called an "endorsement") is a take-away, meaning something you might think should be covered is not. Like an exclusion for pregnancy/maternity leave not due to illness or injury, or the health of the mother or unborn child.


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
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