What is the main goal of disability insurance for athletes?

• A. To provide comprehensive health coverage.
• B. To protect against loss of earnings due to a disabling injury or sickness.
• C. To cover all medical expenses related to athletic activities.
• D. To offer a retirement plan for athletes.

Answer: (B)

The primary objective of disability insurance for athletes is to protect against the potential loss of earnings resulting from an injury or sickness that prevents them from participating in their sport. This type of insurance is crucial in providing financial security during times when an athlete is unable to compete and generate income due to a disabling condition.

Disability insurance helps cushion the financial impact of such events, allowing athletes to focus on their recovery without the added stress of lost income. This is particularly important in professional sports where income is closely tied to performance and participation. While health coverage and medical expenses are essential, they are generally distinct from the core focus of disability insurance, which is centered on income protection.

Thus, option B accurately reflects the fundamental goal of disability insurance in the athletic context.