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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.
July 10, 2014. A waiver of premium rider pays all life insurance premiums due if the insured person becomes disabled. A waiver of premium rider is an optional benefit on many term life insurance policies, and may also be available on permanent forms of insurance coverage. This is one of the most popular life insurance riders. The waiver of premium rider will provide a benefit only if the insured person becomes totally disabled. If a total disability occurs, the remaining premium charges will no longer be required to be paid, but the policy will remain in force for the length of term that the policy was written for.