What aspect of disability does long-term disability insurance specifically cover?

Long-term disability insurance specifically addresses income loss resulting from an individual's prolonged inability to work due to a disability. This type of insurance is designed to provide financial support when a person becomes unable to earn their usual income for an extended period, which can often be the case with serious injuries or illnesses. The primary focus is on replacing lost income rather than covering medical expenses or providing access to rehabilitation services, although such benefits may exist in different insurance products. Therefore, the emphasis on financial assistance during extended periods of disability highlights how this type of insurance is intended to alleviate the economic burden faced by those who are unable to work for significant durations.