Final answer:
The monthly benefit for an individual disability income policy is limited to a percentage of the insured's income to avoid financial strain.
Step-by-step explanation:
In order to avoid financial strain, the monthly benefit for an individual disability income policy is usually limited to a percentage of the insured's income. This ensures that the policyholder receives a reasonable amount of income replacement in the event of a disability, without receiving an excessive amount that could potentially discourage them from returning to work or seeking alternative employment.