What Is Future Income Option With Disability Insurance? 
If you have the future income option or FPO rider on your policy , be sure to ask your agent to fully explain how the rider works on your particular policy . The provisions vary from carrier to carrier . Some carriers will send you a letter every year asking if you 've increased income , and if you decline to use your FPO after a specified amount of times , they 'll no longer keep the rider on your policy . Other carriers will also let you use your FPO on an `` off anniversary '' if you apply for more coverage within 90 days of receiving a raise . 