Usually those added benefits are a disability premium waiver on your life insurance plan.
For example, if you have a $1,000 (annual) premium and you were deemed to be disabled, the company would provide that $1,000 for that life insurance policy.
Life insurance companies have different definitions for "disabled."
While some insurance providers define it as an inability to perform your specific occupation, others define it as an inability to perform any occupation at all.
Being clear on what defines "disability" under your policy and whether your life insurance waives premiums in the event of catastrophe can help you find the right life insurance policy and determine your need for additional insurance riders.
Learn more about life insurance riders and how you can add coverage to your life insurance policy.