Disability & Long-Term CareQuestion 654 of 716
A disability income policy described as 'occupational' coverage pays benefits for disabilities that occur:
a.Only while traveling away from work on business
b.Only during the insured's normal working hours
c.Only off the job, away from the insured's workplace
d.Both on and off the job (24-hour coverage)
Explanation
Occupational coverage is round-the-clock, paying for disabilities whether they arise on or off the job. Nonoccupational coverage, by contrast, excludes on-the-job losses that workers compensation handles.
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Related questions on this topic
- A Social Insurance Supplement (SIS) rider on a disability policy pays benefits when the insured is:
- A cost-of-living adjustment (COLA) rider on a disability policy:
- Most disability income policies include a waiver of premium after the insured has been disabled for:
- Workers compensation covers work-related injuries, so a 'nonoccupational' disability policy is designed to cover:
- In an LTC policy, choosing a longer elimination period will generally:
- Inflation protection in an LTC policy is important because:
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)