disability income rider

Written by

The Information Architects of Encyclopaedia Britannica

Last updated

June 25, 2026

Quick Summary

A disability income rider is an add-on to an annuity contract that provides a payment for a specified period if the contract owner becomes disabled. This rider is a feature within living benefit riders, which offer benefits to the contract owner during their lifetime.1

Disability insurance, in general, replaces a portion of your income if an illness or injury prevents you from working. These policies can be short-term or long-term, depending on how long benefits last. A disability income rider specifically ensures that if the insured becomes totally and permanently disabled, a monthly income will be paid. This is distinct from other types of riders, such as those for long-term care or cost-of-living adjustments.231

Summary created from Britannica articles using AI. AI can make mistakes, so verify using Britannica articles.

4 Britannica Sources

Ask Britannica AI about this topic

Britannica doesn't have a full article on this topic, so we've curated a list of our relevant coverage.

insurance
Special riders
Under the disability income rider, should the insured become totally and permanently disabled, a monthly income will be paid. Under the double indemnity rider, if death occurs through accident, the insurance payable is double the face amount.
Read More
Under the disability income rider, should the insured become totally and permanently disabled, a monthly income will be paid. Under the double indemnity rider, if death occurs through accident, the insurance payable is double the face amount.
Read More