Which of the following is a benefit of disability income insurance?

Disability income insurance is specifically designed to provide financial support to individuals who are unable to work due to illness or injury. When a policyholder faces a situation where they cannot perform their job duties, this type of insurance steps in to replace a portion of their lost income, helping them maintain their financial stability during recovery.

This function distinguishes disability income insurance from other types of coverage that might focus only on medical expenses or long-term care. By replacing income, disability income insurance ensures individuals can still meet their essential living expenses, such as housing and food, even when they are not earning a paycheck due to their condition. The emphasis on income replacement is a core aspect of this coverage, making it a vital financial tool for those facing work-impeding disabilities.

Other options deal with different aspects of insurance or caregiving, which do not align with the primary purpose of disability income insurance.