An individual buying disability insurance is concerned that the utility of the benefits may decrease over time due to inflation. Which provision would MOST likely address this concern?

This provision specifically addresses the concern of decreasing value in benefits over time by adjusting payments to reflect increases in the cost of living. This helps ensure that the policyholder's benefits remain adequate to cover expenses as they rise, providing financial security throughout the duration of the disability.

While this option may sound similar, it typically refers to a feature allowing the policyholder to increase the coverage amount periodically, often at set intervals or based on certain triggers. However, it does not specifically guarantee that the benefits will automatically adjust in response to inflation, which is the primary concern of the individual.

This option generally refers to extra payments provided under certain conditions, such as for specific expenses or needs. However, it does not ensure that the main benefit payments will keep pace with inflation or rising costs, leaving the individual's concern unaddressed.