Common disability riders typically do what?

• A. Extend coverage to dependent family for 12 months
• B. Waive premiums for the remainder of the disability after 3-6 months
• C. Increase the monthly benefit by 20% during disability
• D. Provide hospital indemnity for the first 3 months

Answer: (B)

A common disability rider is a premium waiver, which protects you financially by keeping your policy in force when you’re unable to work. After the waiting period (elimination period) of about 3 to 6 months, the insurer waives your premium for the duration of the disability, so you don’t have to pay while you’re disabled. This helps ensure continuous coverage without adding financial strain during recovery. Other options describe features not typically part of a standard disability rider: extending coverage to dependents is a separate benefit, increasing the monthly benefit is not a standard rider, and hospital indemnity is a different type of benefit altogether.