Discapacidad y Cuidado a Largo PlazoPregunta 655 de 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
Explicación
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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- 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:
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- Inflation protection in an LTC policy is important because:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)