Disability Non-Disabling Injury (Medical Expense) Rider

A Non-Disabling Injury (Medical Expense) Rider is an optional addition to a disability insurance policy that provides benefits for medical expenses incurred as a result of a non-disabling injury. This rider is usually offered in conjunction with a long-term disability insurance policy and can help cover medical expenses that may not be covered by a primary health insurance policy.  

Here are some key features of a Non-Disabling Injury (Medical Expense) Rider:

• Coverage: This rider provides coverage for medical expenses related to an injury that does not qualify as a disability. Examples of non-disabling injuries may include a broken arm or leg, a concussion, or a dislocated shoulder.  
• Benefit amount: The benefit amount for this rider varies and may be capped at a certain dollar amount per injury or per policy year.  
• Deductible: A deductible may apply to this rider, which means that the policyholder must pay a certain amount of the medical expenses out of pocket before the insurance policy begins to cover the costs.  
• Coordination of benefits: The Non-Disabling Injury (Medical Expense) Rider may coordinate benefits with other insurance policies, such as primary health insurance, to ensure that the policyholder receives maximum coverage for medical expenses.  

For example, suppose a policyholder suffers a non-disabling injury, such as a broken leg, that requires medical attention. If the policyholder has a Non-Disabling Injury (Medical Expense) Rider, the rider would cover some or all of the medical expenses associated with the injury, depending on the terms of the policy. The policyholder would need to pay any deductible amount and would be limited to the benefit amount specified in the policy.