From an insurance perspective, which of the following is the main risk associated with disability?

The main risk associated with disability from an insurance perspective is the loss of income. When an individual becomes disabled and is unable to work, they typically lose their primary source of earnings. This loss can significantly affect their ability to meet financial obligations such as paying for housing, healthcare, and other daily living expenses.

Disability insurance is designed to provide income replacement to help individuals maintain their standard of living during periods when they are unable to earn a salary due to their medical condition. Unlike other risks that might involve property, benefits, or investments, the crux of disability is fundamentally about the inability to earn money, making income loss the central concern in this context.