My understanding is that a disability insurance policy with a (cola rider) would pay out a cost of living increase every year CPI rises. But I have a question if a disability insurance provider can reduce (previous years Cola payouts) if CPI is flat or actually drops going forward. So say you are making $300 a month on your Cola rider and CPI flatline or drops the following year. Can your disability insurance carrier reduce you Cola payment from $300 a month to something less? I always thought previous year's cola payments (accumulation) were locked in and could not change, but now wondering if accumulated payments could reverse if cost of living drops from year to year. Responses appreciated.