What typically happens to a policyowner after disability under a waiver of premium rider?

In the context of a waiver of premium rider, once a policyowner becomes disabled and qualifies for this benefit, they do not have any obligation to repay the premiums that the insurance company covers during their disability period. This rider is designed to provide financial relief, allowing the policyowner to maintain their life insurance coverage without needing to make premium payments while they are unable to work due to their disability.

The waiver of premium rider ensures that the policy remains in force during the period of disability, thus protecting the policyholder's interests without the added burden of having to pay premiums when they may be facing significant financial challenges due to their inability to earn income. The rider effectively allows the policyholder to focus on recovery without worrying about the status of their life insurance.