Quick Answer
An insurance rider, often simplified to “rider,” is an extra benefit provision available to add to Long-Term Care Insurance policies. Riders usually increase the cost of the premium by adding benefits or other features.
Detailed Answer
Long-Term Care Insurance riders provide additional benefits, usually at an extra cost. Riders add provisions to the base LTC Insurance policy. These provisions help policyholders customize their policies to meet their needs.
Long-Term Care Insurance has several different rider options. Some popular riders include:
- Inflation benefits
- Shared spousal benefits
- Waiver of premium for in-home care
- Cash benefits
Learn more in our FAQ article on Long-Term Care Insurance riders.
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