Which rider provides a monthly payment to compensate for total and permanent disability?

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

Answer: (C)

A disability income rider is designed to provide a monthly cash benefit when the insured becomes totally and permanently disabled, replacing lost earnings and helping to maintain the insured’s standard of living. This rider pays a regular income for a set period (or until a certain age) as long as disability continues, often with an elimination period before benefits start.

This is the best choice because it directly addresses compensated income during disability, whereas the other riders have different purposes: waiver of premium simply waives premiums if disabled but doesn’t provide ongoing cash to replace income; long-term care riders cover costs of care, not regular income; and accelerated death benefit riders advance a portion of the death benefit under terminal illness conditions.