What is a primary purpose of a general disability policy?

A primary purpose of a general disability policy is to provide income during periods of temporary disability. This type of insurance is designed specifically to offer financial support to individuals who are unable to work due to injury or illness. By replacing a portion of their lost income, the policy helps maintain the insured's financial stability and allows them to focus on recovery without the added stress of financial hardship.

In contrast, other options do not align with the fundamental aim of a general disability policy. Investing in long-term assets typically pertains to investment strategies, not insurance coverage. Avoiding all medical expenses is unrealistic and not the focus of a disability policy, which primarily addresses income replacement. Lastly, covering the costs of long-term care is a different type of insurance, typically associated with long-term care policies, rather than general disability coverage.