Which of these options can be a source of disability income?

Disability income is typically provided through specific types of insurance designed to replace lost income when an individual is unable to work due to a disability. Individual plans are a primary source of disability income because they are specifically structured to offer financial support based on the policyholder’s earnings when they are incapacitated. These plans often have defined benefits that align with the insured's income at the time of the policy issue and pay out during the period of disability, helping to cover living expenses and maintain financial stability.

In contrast, credit card rewards do not provide an income and are not related to any form of disability coverage. Personal savings plans, while useful for financial support in general, do not serve as a direct source of income when it comes to disability. Life insurance policies primarily provide a death benefit to beneficiaries rather than income replacement during the lifetime of the insured experiencing a disability. This framework clarifies why individual plans are the correct option as they are explicitly designed to meet the financial needs that arise during a disability.