Author Interviews, Disability Research / 11.08.2025
If You Are Disabled How Does a Life Insurance Waiver of Premium Work?
[caption id="attachment_70257" align="aligncenter" width="500"]
Photo by Andrea Piacquadio[/caption]
As indicated by the Insurance Barometer Study, 42% of U.S. adults believe they have inadequate life insurance coverage. 10% of policyholders feel that they actually need more coverage.
Life insurance policies may carry with them a waiver of premium rider. This safety feature can be extremely valuable if one becomes totally disabled. It allows for payment of premiums to cease with the policy remaining in full force.
How exactly does it work? Let us clarify the concept of waiver of premiums and how it works within your life insurance policy in cases of significant disability or loss of income.
Photo by Andrea Piacquadio[/caption]
As indicated by the Insurance Barometer Study, 42% of U.S. adults believe they have inadequate life insurance coverage. 10% of policyholders feel that they actually need more coverage.
Life insurance policies may carry with them a waiver of premium rider. This safety feature can be extremely valuable if one becomes totally disabled. It allows for payment of premiums to cease with the policy remaining in full force.
How exactly does it work? Let us clarify the concept of waiver of premiums and how it works within your life insurance policy in cases of significant disability or loss of income.
Dr. Cheryl Krause-Parello[/caption]
Cheryl A. Krause-Parello, PhD, RN, FAAN
Dr. Clara van Karnebeek[/caption]
Dr. Clara van Karnebeek PhD
Certified Pediatrician and Biochemical Geneticist at the BC Children’s Hospital
Principal Investigator, University of British Columbia
MedicalResearch.com: What is the background for this study?
Dr. van Karnebeek: The goal of the study was to diagnose patients with genetic conditions and discover and describe new diseases with potential for treatment. The study included patients with neurodevelopmental conditions that doctors suspected were genetic or metabolic in origin but had not been diagnosed using conventional methods. Our team tested the children and their parents using a combination of metabolomic (large scale chemical) analysis and a type of genomic sequencing called whole exome sequencing. With this state-of-the-art technique, experts analyze and interpret the portion of DNA called genes that hold the codes for proteins.
Some people’s intellectual disability is due to rare genetic conditions that interfere with the processes the body uses to break down food. Because of these metabolic dysfunctions, there is an energy deficit and build-up of toxic substances in the brain and body leading to symptoms such as developmental and cognitive delays, epilepsy, and organ dysfunction. Some of these rare diseases respond to treatments targeting the metabolic dysfunction at the cellular level and range from simple interventions like dietary modifications, vitamin supplements and medications to more invasive procedures like bone marrow transplants. Because the right treatment can improve cognitive functioning or slow or stop irreversible brain damage, early intervention can improve lifelong outcomes for affected children and their families.
Prof. Jagger[/caption]
MedicalResearch.com Interview with:
Prof. Carol Jagger
AXA Professor of Epidemiology of Ageing and
Deputy Director of the Newcastle University Institute for Ageing (NUIA)
Institute of Health & Society
Campus for Ageing and Vitality
Newcastle upon Tyne
Medical Research: What is the background for this study?
Prof. Jagger: Although we know that life expectancy at older ages is increasing, there is still uncertainty about whether the extra years are healthy ones. Our results are based on data from the Cognitive Function and Ageing Studies (CFASI and II), two cohorts of people aged 65 years and over in three centres in England (Cambridgeshire, Newcastle and Nottingham) who were interviewed in 1991 and 2011. The participants, over 7000 people in each study, were recruited from general practices in the area and included those living in care homes to ensure our results reflect the total older population.
Medical Research: What are the main findings?
Prof. Jagger: We used three health measures to calculate the health expectancies at age 65: cognitive impairment, self-perceived health and 


