Which of the following correctly describes an injury in the context of disability insurance?

In the context of disability insurance, an injury is typically defined as an event that leads to bodily damage, and it is characterized by its unintentional nature. The correct choice describes injury as involving accidental bodily damage that is unexpected, which aligns with most disability insurance policies that cover losses resulting from unforeseen accidents.

This distinction is essential because disability insurance primarily aims to provide protection against unexpected events that disrupt an individual's ability to work due to injury. The focus on accidental bodily damage suggests that the protection offered by disability insurance is designed to assist individuals facing sudden and unpredicted incidents, which could lead to temporary or permanent disability.

Other potential definitions, such as intentional harm or injuries resulting from disease, do not capture the essence of what is generally considered an injury under disability policies. Intentional harm would imply a premeditated act affecting one’s body, while injuries from disease typically fall under health-related issues rather than accidents, and thus may not be included in the same definition of injury as seen in disability coverage.