What is generally the primary purpose of disability income insurance?

The primary purpose of disability income insurance is to assist in covering lost income during time off work due to a disabling illness or injury. This type of insurance is designed specifically to replace a portion of the insured's income, ensuring that individuals can maintain their standard of living and financial obligations even when they are unable to work due to unforeseen circumstances.

Disability income insurance typically provides a monthly benefit to help individuals manage their expenses while they recover, thus alleviating the financial burden that can accompany an inability to earn an income. This is a critical safety net for those who might otherwise struggle to pay bills, mortgage payments, or other living expenses during a period of disability.

In contrast, options that focus on providing a death benefit, covering medical expenses, or paying for long-term care expenses address different needs and objectives related to insurance coverage, but they do not align with the primary intent of disability income insurance.