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Disability insurance is specifically designed to provide income replacement in the event that an individual becomes unable to work due to a disability. This type of insurance ensures that a person can continue to receive a portion of their income, which is crucial for maintaining their lifestyle and covering living expenses during a period when they are unable to earn a paycheck.

In contrast, health insurance mainly covers medical expenses and treatments, but it does not directly replace lost income. Long-term care insurance focuses on providing coverage for personal care services, usually as individuals age or face chronic illness, and does not provide income replacement. Life insurance is intended to provide financial support to beneficiaries in the event of the policyholder's death, rather than addressing income loss due to a disability. Thus, disability insurance is the correct answer, as it directly addresses the need for income replacement in situations where a person's ability to work is compromised due to a disability.