Disability & Long-Term CareQuestion 650 of 716
A Social Insurance Supplement (SIS) rider on a disability policy pays benefits when the insured is:
a.Disabled but does NOT qualify for, or receives reduced, Social Security disability benefits
b.Retired and collecting a pension, since the rider is meant to supplement retirement income
c.Deceased, at which point the rider pays a lump sum straight to the named beneficiary
d.Disabled, paying the full rider benefit on top of any Social Security disability benefit also received
Explanation
An SIS rider fills the gap when Social Security disability is denied or reduced, coordinating with the government benefit. It does not pay on top when full Social Security is received, nor at retirement or death.
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)