What is the primary purpose of disability income insurance?

The primary purpose of disability income insurance is to provide financial support to individuals who become unable to work due to a disability. This insurance is designed to replace a portion of the income that the insured would typically earn from their job, thereby helping them to maintain their standard of living and cover necessary expenses during a period of incapacity.

Disability income insurance is particularly important because when someone is disabled, they may not be able to earn wages, which can lead to financial strain. The benefits received from this type of insurance can help cover everyday living expenses, such as mortgage or rent, groceries, and bills, ensuring that individuals do not face undue hardship during their recovery.

Other options relate to specific financial needs that are important but do not capture the primary focus of disability income insurance. Covering funeral expenses is relevant to life insurance rather than disability. Providing immediate cash benefits does not specifically address the context of income loss due to disability. Funding health care costs may be addressed through health insurance but does not pertain to the need for income replacement. Therefore, the correct answer highlights the fundamental role of disability income insurance in securing income for those unable to work due to a disabling condition.