Disability income benefits may be provided through all of the following EXCEPT:

• A. a disability income policy
• B. workers' compensation
• C. Social Security disability benefits
• D. a basic medical expense policy

Answer: (C)

Disability income benefits are cash payments that replace a portion of your earnings when you’re unable to work due to a disability. Not all policies that address disability do this; some cover only medical costs.

A disability income policy is designed to provide ongoing cash benefits to help replace lost wages. Workers’ compensation provides wage replacement for work-related injuries, and Social Security disability benefits offer monthly cash benefits to disabled workers who meet criteria. The item that does not provide income replacement is a basic medical expense policy, which pays for medical treatment and related costs rather than paying cash to offset lost earnings. That makes it the exception among the options.