What is the primary focus of a disability insurance policy?

The primary focus of a disability insurance policy is to provide income replacement or benefits to the insured if they are unable to work due to a disability. This coverage is essential as it helps individuals maintain their financial stability and meet their living expenses when they cannot earn an income due to injury or illness.

Disability insurance typically pays out a portion of the individual's salary, ensuring that they can support themselves and their dependents during the period of incapacity. It emphasizes income protection rather than medical expenses, funeral costs, or loans, which are not the primary concerns of such policies. By concentrating on the insured's ability to earn a living, disability insurance plays a crucial role in safeguarding an individual's economic well-being in times of need.