Under the waiver of premium provision of a disability income policy, when does an insured resume paying premiums?

The waiver of premium provision in a disability income policy typically states that if the insured becomes disabled and meets certain criteria, they may not have to pay premiums during the period of their disability. The insured will resume paying premiums when they return to work and are no longer considered disabled. This aligns with the primary objective of the waiver of premium provision, which is to relieve the financial burden of premium payments while the insured is unable to earn an income due to their disability.

This provision ensures that purchasers of disability income policies remain protected even while they are unable to work. The option focusing on returning to work highlights the connection between the insured's employment status and the obligation to continue premium payments.

In contrast, the other choices do not reflect the terms of the waiver of premium provision as accurately. For instance, simply stating a time frame such as the end of the grace period or end of the stated period does not capture the essential requirement of the insured being able to return to work. Similarly, while the elimination period relates to the time before benefits become payable, it does not dictate when premiums need to be resumed. The correct emphasis is on the insured's status regarding their ability to work after a disability, making the return to work the key factor for reinitiating premium