What is the primary purpose of disability income insurance?

The primary purpose of disability income insurance is to replace lost income due to a disability. When an individual becomes unable to work because of a medical condition, whether it's an injury or a serious illness, disability income insurance provides financial support to help cover living expenses during that period.

This type of insurance is critical for maintaining a household's financial stability, as it ensures that individuals can continue to meet their financial obligations, such as paying for rent, utilities, and groceries, even when they are unable to earn a paycheck. Unlike health insurance, which primarily covers medical expenses, disability income insurance focuses specifically on income replacement.

The other options pertain to entirely different types of insurance needs. Health coverage for illness addresses medical expenses but does not provide income during periods of disability. Covering funeral expenses relates to life insurance, which is intended to provide financial assistance to beneficiaries after the policyholder's death. Long-term care services, on the other hand, are related to care for individuals who can no longer perform everyday activities due to age or chronic illness, and are not focused on income replacement. Thus, the correct answer aligns directly with the core function of disability income insurance.