After the elimination period, a totally disabled insured qualified and started receiving benefits from his disability income policy that has a waiver of premium rider. What will most likely happen to the premiums paid into the policy during the elimination period?
a. premiums will be waived
b. premiums will be refunded
c. premiums will be retained by the company, but no further premium will be required for the duration of the disability
d. premiums will be prorated