Non-occupational disability coverage is designed for which group?

• A. 24 hour protection
• B. those exempt from Workman's Compensation coverage
• C. sole proprietors and self employed individuals
• D. employees who suffer non-work-related disabilities

Answer: (D)

Non-occupational disability coverage is designed to pay when you can’t work because of a non-work-related illness or injury. It sits alongside workers’ compensation, which only covers injuries or illnesses that occur on the job. So the group it’s intended for is employees who suffer disabilities not connected to their work duties.

Other options don’t match the intent: 24-hour protection describes the scope of coverage rather than a specific group; those exempt from Workman’s Compensation aren’t the target audience for this type of policy; and sole proprietors or self-employed individuals typically pursue private disability insurance rather than employer-based non-occupational coverage.