What is the primary intent of disability insurance?

The primary intent of disability insurance is to provide income replacement during periods of disability. This type of insurance is designed to replace a portion of an individual’s income if they are unable to work due to a qualifying disability, thereby ensuring that they can maintain their financial obligations and meet basic living expenses during a challenging time.

Disability insurance typically covers a percentage of an insured's salary, which can help individuals manage their financial needs until they are able to return to work or until the disability period ends. This financial support is crucial for maintaining standard living conditions and not falling into economic hardship due to a loss of income from an inability to perform the duties of one’s job.

In contrast, other options address different needs. Covering living expenses during unemployment relates more to unemployment insurance rather than disability insurance. Paying for long-term care services falls under long-term care insurance, which is distinctly separate and focuses on helping with daily living activities rather than income replacement. Lastly, funding retirement savings is the goal of retirement plans or retirement savings accounts, which do not provide immediate financial support during periods of disability. Thus, "B" stands out as the most appropriate choice reflecting the core purpose of disability insurance.