Which rider is NOT commonly found in a disability income policy?

A long-term care rider is not commonly found in a disability income policy because it serves a different purpose than the primary focus of disability income insurance. Disability income policies are designed to provide financial support by replacing lost income due to a disability resulting from illness or injury, while long-term care coverage specifically addresses the costs associated with providing care for individuals who can no longer perform everyday activities due to chronic illness, disability, or aging.

In contrast, the other riders mentioned are directly relevant to disability income policies. The accidental death benefit rider provides additional coverage in the event of death resulting from an accident, while the waiver of premium rider ensures that the policyholder does not have to pay premiums while they are disabled. The residual disability rider offers benefits if the insured can still work but experiences a loss of income due to their disability.

Thus, it is clear why the long-term care rider does not align with the fundamental objectives of a disability income policy compared to the other options.