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In this episode, my guest Ethan Abramowitz and I discuss Own Occupation Disability Income Insurance Contracts again. 

**This time, we have a larger focus on the COLA rider = Cost of Living Adjustment Rider as well as the Future Purchase Options.**

COLA riders would allow for your monthly benefits to keep up with inflation if you were on a total disability claim.

Future Increase Options have a  cost associated with buying the rider.
-These are available annually.
-Not every carrier offers this type of rider.

Future Purchase Options may also be called:
-Benefit Updates
-Benefit Increase Riders
-Benefit Purchase Riders

These are typically every third year and have no costs associated.

It is great to get insight from an attorney's perspective! If you have a question for Ethan, you can reach him here:

Website: SeltzerLegal.com
Email: [email protected]
Phone: 215-735-4222

Articles for reference: 

https://www.seltzerlegal.com/blog/healthcare-professionals-mental-nervous-long-term-disability-claims-jumped-in-2020/

https://www.seltzerlegal.com/blog/how-erisa-may-affect-your-long-term-disability-benefits/

https://www.seltzerlegal.com/blog/physician-burnout-factors-and-consequences/

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