Non-occupational disability coverage describes which of the following?

• A. It covers only work-related injuries
• B. It covers disabilities not related to work
• C. It covers only illnesses
• D. It covers only accidents

Answer: (B)

Non-occupational disability coverage pays benefits for disabilities that are not work-related. It covers illnesses or injuries that occur outside of the job, providing income when you’re unable to work due to conditions not caused by your employment. This is different from workers’ compensation, which covers injuries that happen on the job. Because non-occupational policies aren’t tied to employment, they aren’t limited to accidents or to illnesses alone; they can include both. So, the description that it covers disabilities not related to work is accurate. The other options describe restrictions that don’t fit non-occupational coverage.