If Tyler submits a claim for benefits on June 1 after being disabled on May 1, when are his premiums waived due to the waiver of premium rider?

The correct answer indicates that Tyler's premiums would be waived from the date of his disability, which is May 1. The waiver of premium rider is a feature typically found in some life and disability insurance policies, allowing for premiums to be waived during the period that the insured is disabled. This means that once the policyholder becomes disabled and meets the criteria stipulated in the waiver of premium rider, the insurance company waives any future premium payments, starting from the date of the disability.

In this case, since Tyler was disabled on May 1, that is the date his premiums are waived, regardless of when he submits the claim for benefits (June 1). The waiver does not take effect on the date he submits the claim, nor does it take effect before the disability; therefore, May 1 is the correct starting point for the waiver of premiums.