Which benefit program is designed to assist employees who are temporarily unable to work due to an injury or illness?

Disability benefits are specifically designed to provide financial assistance to employees who are temporarily unable to work as a result of an injury or illness. This type of program typically includes income replacement for a specified period, allowing individuals to manage their living expenses while they recover. The coverage can be short-term or long-term, depending on the severity of the condition and the specific policy.

In contrast, retirement benefits focus on providing income after an employee reaches a certain age or after a specified period of service, helping individuals plan for their financial needs post-employment. Unemployment benefits serve individuals who have lost their job through no fault of their own, rather than those who are temporarily absent due to health issues. Paid time off encompasses vacation and personal days that employees can use for various reasons but does not provide the targeted financial support required during a period of illness or injury. Therefore, disability benefits are the most suitable choice for addressing the needs of employees who are unable to work temporarily due to health-related issues.