Which type of rider provides a temporary waiver of premium benefit?

The Payor Rider provides a temporary waiver of premium benefit specifically designed for situations where the premium payer, often a parent or guardian, becomes disabled or passes away while the insured is still a minor. In such cases, this rider ensures that the premiums continue to be paid on the policy, even though the primary payer is unable to fulfill this obligation due to specified circumstances.

The other riders mentioned serve different purposes. The Waiver of Premium Rider allows the policyholder to waive premiums if they become totally disabled for a certain period, but it is not limited to temporary relief as is the case with the Payor Rider. The Sickness Benefit Rider typically provides benefits for a specified period when the insured is unable to work due to illness but does not waive premiums. The Permanent Disability Rider offers benefits if the insured becomes permanently disabled but doesn't necessarily provide a temporary premium waiver.

In conclusion, the Payor Rider directly addresses the need to maintain coverage through temporary premium waivers in specific circumstances, making it the correct choice in this context.