Question

13 gaby owns an individual disability policy with a waiting period of 90 days. she became severely injured and was admitted to the hospital for 20 days. the hospital then discharged her. she made a claim and the insurer paid her a benefit equal to her benefit for 20 days to cover the expenses during her hospital stay before her waiting period began. the insurer did not pay gaby for the following 70 days when she was not in the hospital and could not work. after 90 days, she began receiving her monthly disability benefits until her recovery. which rider did gaby add to her disability insurance policy? a2rvdt1wdytyefledwdycna0ngpudz09 a. hospital benefits rider b. short - term disability rider c. first - day hospitalization rider d. zero - day waiting period rider a2rvdt1wdytyefledwdycna0ngpudz09

Explanation:

To determine the rider, we analyze each option:

• Option a: A hospital benefits rider provides benefits for hospital stays. Gaby received benefits for her 20 - day hospital stay before the waiting period, which matches this rider's purpose.
• Option b: Short - term disability rider typically covers disability for a short period, but the focus here is on hospital stay benefits, not general short - term disability.
• Option c: First - day hospitalization rider implies benefits from day 1, but there's no indication this is about the first day specifically, and the benefit was for 20 days of hospital stay.
• Option d: Zero - day waiting period rider would mean no waiting period, but Gaby still had a 90 - day waiting period for regular disability benefits, just got hospital benefits during her stay.

Answer:

a. Hospital benefits rider