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Once you are covered under a waiver of premium rider, the typical policy requires a waiting period of six months after you become disabled, says Paul Wetmore, assistant vice president of Life Product Management at MetLife.
Payorâs benefit rider is similar to a disability waiver rider except it is the premium payor who is covered under this rider. This rider is usually added when a child or a spouse is the insured. Yes, the payor's benefit rider will waive the premiums if the payor is disabled for more than 6 months. If the premium payor is disabled, then no longer disabled on the 7th month. The rider will only waive one month's premium. Yes, the normal eliminating period for this rider to kick in is 6 months.