What is the primary factor that determines benefits paid under a disability income policy?

The primary factor that determines benefits paid under a disability income policy is wages. This is because disability income insurance is designed to replace a portion of the insured's income when they are unable to work due to illness or injury. The benefit amount is typically a percentage of the insured's regular wages prior to the disability, often up to a specified maximum limit. This amount reflects the insured's typical earnings and is aimed at ensuring that they can maintain their standard of living while they are unable to work.

Factors such as occupation and employment duration might play a supporting role in the underwriting process or in determining eligibility for benefits, but the core of how much a policy pays out is tied directly to the insured’s wages. Medical history may influence the acceptance of the policy and potential exclusions but does not directly dictate the benefit amount once the policy is in place.