Commission for Case Manager Certification (CCMC) Exam 2025 – 400 Free Practice Questions to Pass the Exam

Disability insurance primarily serves the purpose of replacing income that an individual loses due to an inability to work caused by illness or injury. This type of insurance is crucial for providing financial stability during periods when someone cannot earn their usual salary. It is designed to help cover essential living expenses, such as housing, food, and bills, thereby ensuring that individuals and their families can maintain a certain standard of living even when source of income is disrupted.

The correct answer highlights this essential function of disability insurance, which distinguishes it from other types of insurance products that focus either on medical treatment, retirement income, or business support. Other options do not capture the primary objective of disability insurance; they cater to specific financial needs that are outside the scope of protecting individual income in the event of a disability.