What sort of injuries would specifically trigger disability insurance benefits?

Disability insurance benefits are designed to provide financial support when an individual's ability to work is compromised due to an injury or illness. The correct answer highlights that injuries or sickness resulting in a loss of earning capacity are specifically the types of conditions that would trigger these benefits.

When an individual suffers from an injury or illness that hampers their ability to perform the essential functions of their job, they may be eligible for disability benefits. This loss of earning capacity is the key factor; it directly links the medical condition to the inability to earn income, which is the primary purpose of disability insurance.

Other options refer to conditions that either do not significantly impact work ability or involve minor health issues that allow for a quick return to work, which do not align with the fundamental purpose of disability insurance. The focus for triggering benefits rests on the substantial effect on one's job performance and, consequently, their earnings.