Disability & Long-Term CareQuestion 655 of 716
Workers compensation covers work-related injuries, so a 'nonoccupational' disability policy is designed to cover:
a.Only on-the-job injuries, coordinating directly with the employer's workers compensation coverage
b.Both on- and off-the-job losses equally
c.Off-the-job injuries and illnesses, to avoid overlapping with workers compensation
d.Neither on- nor off-the-job losses
Explanation
Nonoccupational coverage pays only for off-the-job disabilities, since on-the-job injuries are covered by workers compensation. This prevents duplicate coverage of work injuries.
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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:
- A disability income policy described as 'occupational' coverage pays benefits for disabilities that occur:
- 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)