What does disability insurance primarily cover?

Disability insurance primarily covers the loss of income resulting from a person’s inability to work due to sickness, bodily injury, or an accident. This type of insurance provides financial support to individuals who are temporarily or permanently unable to perform their job duties because of an illness or injury. By doing so, it helps substitute lost wages, allowing individuals to maintain their standard of living while they recover or adjust to their disability.

The correct choice encompasses the broader aspects of what disability insurance aims to protect against, which are health-related circumstances that impact a person's ability to work. Other options do not accurately reflect the primary purpose of disability insurance. Income loss due to personal injury is a narrower view and may not fully encompass the various types of disabilities covered. Home repairs pertain to property insurance, while long-term care expenses are related to insurance products specifically designed to pay for long-term personal and medical care, rather than income loss.