There are several riders to consider when building your disability insurance policy, including:
Partial, or Residual, Disability: These riders provide a payout even if your disability allows you to continue working within your specialty. If you lose some income due to an injury or illness the policy will payout partial disability claims.
Student Loan Repayment: Adding a student loan rider to your policy will help you pay back your student loans if you become disabled. This adds a separate monthly benefit that will be paid directly to your lender if you are disabled.
True Own Occupation: True Own Occupation riders provide a payout if your disability prevents you from performing the duties of your specialty at the time of claim, even if you are gainfully employed in another occupation or specialty.