A disability income rider attached to a life insurance policy provides what benefit if the insured becomes totally disabled?

Why A is correct

A disability income rider pays the insured a monthly income if the insured becomes totally disabled, typically after a waiting period, for as long as the disability continues, subject to the rider's benefit period. It is added to a life insurance policy to replace lost earnings during a period of disability. This is distinct from a waiver-of-premium rider, which pays the policy premiums instead of providing income. The rider's cost depends on the benefit amount, the waiting period, and the definition of total disability stated in the policy.

Why the other options are wrong

• The rider provides income; it does not waive the death benefit, which remains payable on the insured's death regardless of the rider. This option therefore does not match the facts presented in the question and is not the correct answer to select.
• The rider does not pay the face amount during disability; the face amount is the death benefit paid at death, not a disability lump sum. This answer describes a different situation from the one in the question and is therefore incorrect under the facts given here.
• The disability income rider does not increase the death benefit; cost-of-living riders and paid-up additions serve other purposes. This choice does not fit the arrangement described in the question, so it is clearly not the right option to choose.

Memory hook

The disability income rider is a paycheck replacement while disabled.