Which type of insurance provides coverage for lost income due to disability?

Disability income insurance is designed specifically to replace a portion of a person’s income if they become unable to work due to a disability or medical condition. This type of policy can help individuals maintain their financial stability by providing monthly benefits that are typically based on their pre-disability earnings.

In contrast, temporary disability insurance may cover short-term disabilities, but it does not provide comprehensive protection for long-term income loss. Health insurance focuses on covering medical expenses rather than income replacement, while life insurance primarily pays out a benefit to beneficiaries upon the policyholder's death, not to replace lost income due to disability. Therefore, disability income insurance is the most appropriate option for coverage of lost income due to a disabling condition.