Who is responsible for paying premiums on a policy with a "waiver of premium rider" during a disability period?

A waiver of premium rider is a provision in an insurance policy that allows the policyholder to avoid paying premiums if they become disabled. When this rider is in effect during a disability period, the responsibility for paying the premiums shifts from the policyholder to the insurance company. This means that the insurance company will cover the premium payments until the policyholder is able to resume payments, or until the specified conditions of the rider are no longer met. The intent of this rider is to protect the policyholder from losing their coverage during financial hardship due to disability, ensuring that the policy remains in force without the need for premium payments from the policyholder during that time.