A consumer should continue to pay their premiums while their claim is being considered. However, once a claim is being paid, the premiums are normally waived – and any premiums paid during a period of incapacity should usually be refunded by the insurance company.
When a claim is stopped by an insurance company because a consumer returns to work, the consumer should continue to pay the premiums – if they want to keep the policy in force, in case they need to make a claim at a later date.
