In the case of a teacher injured in an accident who is receiving monthly benefits, which type of insurance policy are they likely enrolled in?

The scenario describes a teacher who has been injured in an accident and is now receiving monthly benefits. This aligns closely with the purpose of a disability income insurance policy, which is designed to provide financial support to individuals who are unable to work due to a disabling condition or injury.

Disability income insurance offers monthly payments to replace lost income, making it essential for those who rely on their earnings for sustenance. It helps cover everyday living expenses when the insured person cannot work, which is particularly relevant for someone in the teaching profession facing an injury.

In contrast, life insurance would provide a death benefit to beneficiaries upon the policyholder's death, health insurance primarily covers medical expenses related to health care and treatments, and accidental death coverage specifically pays out only in the event of death resulting from an accident. None of those options directly address the need for income replacement during a period of disability, which is why disability income insurance is the most fitting choice in this situation.