What type of insurance provides income when the insured is unable to work due to an illness or injury?

Disability insurance is specifically designed to provide income when the insured is unable to work due to an illness or injury. Life insurance only provides a lump sum to beneficiaries upon the death of the insured, while health insurance primarily covers medical expenses. Accidental insurance typically only covers accidents, not illnesses. Therefore, B is the most appropriate answer for this question.