What does disability insurance cover?

Disability insurance is designed to provide financial support in the event that an individual becomes unable to work due to a covered illness or injury. It focuses on providing income replacement rather than covering direct medical expenses or other types of insurance needs.

Choosing the option that states "accident and health coverage for sickness and death" aligns with the purpose and scope of disability insurance. This type of coverage typically protects an individual’s income by providing regular payments when the insured is unable to work due to a legitimate health issue, which includes both accidents and illnesses.

The other options relate to various types of insurance but do not accurately describe the specific purpose of disability insurance. For instance, covering only bodily injury would be too narrow and would exclude serious illnesses that can also lead to a loss of income. Similarly, legal liability and property damage pertain more to liability insurance than to disability coverage. Life insurance and disability coverage together are not solely representative of what disability insurance covers, as life insurance addresses different needs, primarily related to death benefits rather than income replacement during a period of disability.