14.5.2 Social Security Rider
The Social Security rider provides extra income when social insurance benefits (Social Security, workers' compensation, or state and local government programs) are not being received by the insured or if the benefits are being received in an amount less than estimated and expected in the rider. If and when total disability is determined, the applicant must show that he has applied for social insurance benefits. Once the Social Security Administration has determined the benefit payable, the difference between that figure and the expected benefit listed in the rider is payable as an additional disability income benefit.
