Disability income rider provides what?

• A. Provides a periodic payout if disability occurs to supplement income.
• B. Pays a lump-sum on disability.
• C. Provides a monthly premium refund.
• D. Increases death benefit.

Answer: (A)

Disability income riders are about income replacement. When the insured becomes disabled, the rider pays a regular, ongoing benefit to help replace lost wages, rather than a one-time payment or any other feature. This payment is typically made monthly and continues for a set period or until the person is able to return to work, often after an elimination period. The rider’s primary purpose is to provide steady income during disability, not to refund premiums, adjust the policy’s death benefit, or issue a lump-sum payout. So the best description is a periodic payout to supplement income when disability occurs.