Which rider pays a monthly benefit if the insured becomes totally disabled?

• A. Waiver of premium rider
• B. Accelerated death benefit rider
• C. Long-term care rider
• D. Disability income rider

Answer: (D)

A disability income rider is designed to provide a monthly cash benefit to the insured when they are totally disabled, helping replace lost earnings and cover living expenses. It typically begins after an elimination period and continues for a set benefit period or for as long as the disability lasts, depending on the policy terms. The monthly amount is usually a percentage of the death benefit or a fixed dollar amount, and while the base policy’s premiums may be waived during disability, the rider itself supplies ongoing income.

Waiver of premium rider only suspends premium payments during disability; it does not provide monthly cash income. Accelerated death benefit lets the insured receive a portion of the death benefit early under certain illness conditions, not ongoing monthly income. A long-term care rider pays for care services, not a monthly disability income to the insured.