Similar to a Critical Illness Rider, a Chronic Illness Rider is another provision offering accelerated death benefits in the event of a serious medical diagnosis. A Chronic Illness Rider allows the policyholder to receive benefits from their policy while still living, in the event that they suffer a disabling illness that prevents them performing at least two of the six Activities of Daily Living (ADLs). The six ADLs are eating, bathing, getting dressed, using the bathroom, transferring and continence.
