Which provision in a disability income policy applies if the cause of an injury is unexpected and accidental?

The correct choice is the Accidental bodily injury provision, as this specific provision directly addresses situations where an injury occurs as a result of unexpected and accidental events. This provision is designed to provide benefits for disabilities caused by such injuries, ensuring that the insured receives financial support during their recovery period.

Disability income policies typically have various provisions that service different types of disabilities. The Accidental bodily injury provision distinctly covers acute incidents that are not foreseen or planned, aligning with how accidental injuries are defined in insurance terms. This means that if an individual were to sustain an injury under these circumstances, they could file a claim under this specific provision to receive appropriate benefits.

Other options, such as short-term and long-term disability provisions, primarily relate to disabilities due to illness or other long-term conditions. They do not specifically focus on the nature of the injury being accidental, thus making the Accidental bodily injury provision the most pertinent choice when discussing unexpected injuries. The standard injury provision is not a recognized term within common disability income policies, making it less relevant in this context.