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. Disability Ine Benefit ? Provides a monthly ine benefit to the policyownerinsured if she bees totally disabled while the policy is in force. ? The monthly ine benefit is a stated amount. Disability Ine Benefit ? Example Paxton Haymes was the policyownerinsured of a $150,000 life insurance policy that included a disability ine benefit rider. The rider stated that, if Paxton bee totally disabled, then the insurance pany wold pay him a monthly benefit of $10 per $ 1000 of life insurance coverage during the period of disability。 the ine benefit would begin three months after the onset of a the policy was in force, Paxton became disabled as defined in the dissability ine benefit rider. Two years later, he died as a result of his disability. Disability Ine Benefit ? Analysis ? three months after he became disabled,Paxton became eligible to receive a dissability ine benefit of 1500 per