An insured adds a disability income rider to a life insurance policy. What does this rider provide?

Why A is correct

A disability income rider attached to a life insurance policy pays a monthly income benefit to the insured during a period of total disability, typically after an elimination period. It is designed to replace lost earnings while the insured cannot work. This is distinct from a waiver of premium rider (which waives the policy's premiums if the insured becomes disabled), an accidental death benefit rider (which pays an additional benefit on accidental death), and hospital indemnity features (which pay a per-day amount during hospitalization). The disability income rider addresses income replacement, the core purpose of disability protection.

Why the other options are wrong

• B) Waiving premiums on disability is the function of a waiver of premium rider. A disability income rider instead pays monthly income to the insured, not premium relief.
• C) An additional payment on accidental death is the accidental death benefit rider. It is not the monthly income benefit paid by a disability income rider.
• D) A per-day hospitalization payment is a hospital indemnity feature. The disability income rider pays a monthly income benefit, not a daily hospitalization allowance.

Memory hook

Disability income rider = monthly paycheck replacement when total disability strikes. Income, not just premium relief.

Why D is correct

A disability income rider is added to a life policy to provide the insured with a monthly income during total disability, typically after a waiting or elimination period. The benefit can help replace lost earnings and may also cover premium payments during the disability. The rider is separate from the basic death benefit: if the insured dies, the death benefit is still paid to the beneficiary. It is distinct from accidental death benefits, medical expense coverage, and lump-sum disability payouts.

Why the other options are wrong

• A) An increased benefit for accidental death describes an accidental death benefit rider, not a disability income rider.
• B) Covering hospital medical expenses is the role of a medical expense or hospital indemnity policy, not a disability income rider.
• C) The disability income rider pays recurring monthly income to the insured, not a one-time lump sum to the beneficiary.

Memory hook

Disability rider = a paycheck when disability strikes, on top of the death benefit.