Disability & Long-Term CareQuestion 91 of 716
Which rider on a disability income policy raises the monthly benefit during a long claim to keep pace with inflation?
a.Cost-of-living adjustment (COLA) rider
b.Social Security supplemental income rider
c.Guaranteed future-increase option rider
d.Return-of-premium disability rider
Explanation
A COLA rider increases the monthly benefit during a long claim so that the payment keeps pace with inflation. A future-increase rider lets the insured purchase more coverage at set dates without new underwriting, but it does not adjust an in-force claim.
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)