What main benefit does a disability income rider provide to policyholders?

The primary advantage of a disability income rider is that it provides a fixed monthly income to policyholders who become disabled and are unable to work. This rider is intended to help replace lost income during a period when the insured is incapacitated due to a disability. Its design is to ensure financial stability by providing the insured with regular payments, similar to their salary, which can help cover ongoing living expenses, such as rent, mortgage payments, and daily necessities.

Given the options presented, the selection that would be correct should actually focus on the concept of providing income during disability, rather than returning premiums or any benefits related to long-term care or medical expenses. The disability income rider specifically targets the need for income support during a time of inability to generate income due to a disability, making it distinct from other types of riders or benefits that focus on medical costs or premium returns.