What is the Additional Monthly Benefit (AMB) rider designed to do?

The Additional Monthly Benefit (AMB) rider is specifically designed to pay an additional benefit during the first 12 months of disability. This feature is particularly valuable for policyholders who may face financial challenges immediately following a disability event, as it supplements other disability income benefits during that initial period. The rider aims to provide extra financial support when an individual might be most vulnerable, ensuring that essential expenses can still be met while waiting for the full benefit payouts or while navigating the other challenges associated with adjusting to a disability.

The options relating to outpatient treatment, retirement planning, and non-medical expenses do not align with the primary purpose of the AMB rider, which focuses solely on providing additional income during that crucial first year of disability.