Which insurance plan often provides for lost wages due to disability?

Disability insurance is specifically designed to provide financial support to individuals who are unable to work due to a disability. This type of insurance offers benefits that replace a portion of a person's lost income, thereby helping them cope with the financial impact of their inability to perform their job. The primary focus of disability insurance is to ensure that individuals can meet their living expenses, such as housing and bills, during their recovery period.

Health insurance, while essential for covering medical expenses related to illness or injury, does not typically provide compensation for lost wages. Life insurance pays out a benefit upon the death of the insured but does not address income replacement during a person’s lifetime. Auto insurance primarily deals with coverage for vehicle damages and liability in the event of an accident, and it does not provide income replacement for individuals who may be unable to work due to disability.

By understanding that disability insurance specifically targets income replacement during periods of disability, it becomes clear why this option is the appropriate choice in the context of the question.