Which rider would pay a monthly amount if the insured suffers a total and permanent disability?

• A. Waiver of Premium Rider
• B. Disability Income Rider
• C. Accidental Death Rider
• D. Cost of Living Rider

Answer: (B)

The main idea is income replacement through a disability income rider. This rider provides a monthly cash benefit to the insured when they suffer a total and permanent disability, helping to replace lost earnings during the period of disability. Benefits typically start after an elimination period and continue for a set period or until recovery, up to the rider’s limits. It’s designed specifically to provide ongoing monthly income, separate from premium payments.

Why this is the best fit: a disability income rider is built to pay a monthly amount when the insured is totally disabled, which matches the scenario described. In contrast, a waiver of premium rider only suspends premium payments during disability and does not provide a monthly income. An accidental death rider pays only if death from an accident occurs, not monthly benefits for disability. A cost of living rider adjusts the benefit amount (often inflation-related) but does not by itself establish a monthly disability income benefit.