伤残与长期护理第 655 / 716 题

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

解析

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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