When your paycheck stops because of a disability, usually your 401k contributions stop as well. If you are disabled all the way to age 65, you could be left without adequate retirement savings. Fortunately, you can add a feature called the “Retirement Protection Rider” to certain Disability Insurance Policies.
This Disability Insurance Rider will contribute a set amount to a qualified retirement plan while you are disabled. This feature is extremely important to ensure comprehensive income protection.