What Is Future Income Option With Disability Insurance? 
Basically the `` future income rider '' on an income disability insurance policy provides for the likely event that your income will increase in the future . Since income disability insurance pays only up to a maximum of 60 % of your income , as your income increases you would naturally want the amount of your coverage to increase correspondingly . Typically the increase is based on a cost of living increase , but there are variables that can be included . Your insurance agent should be able to explain the options available with the rider and how it works . 