Under which circumstance would someone need disability insurance? a person's suitcase was stolen and valuables were lost. a person has contracted the flu and needs a prescription. a person was in a car accident and cannot work for several months. a person's house was seriously damaged during a natural disaster.

The correct answer is C. A person was in a car accident and cannot work for several month.

Disability insurance is termed as an insurance cover which provides income where a person who was working is unable to earn or work because of disability.

A person is given a portion of money for a period time when he is unable to work but it is for short period of time.

The bare minimum should be 15,800 dollars while it could save up to 31,600 fora more robust emergency fund

Explanation:

The emergency fund should be saving in a highly liquid position for the amount between three and six months’ worth of expenses. The liquidity is important as if a burden occurs the couple has a few months of additional expenses cover.

In this case as the monthly expenses are 4,600 the minimum emercgency fund sghould be three months of these expenses:

4,600 x 3 months = 15,800 dollars

while a most safety amount would be around 6 month:

4,600 x 6 months = 31,600 dollars