A disability income policy provides only nonoccupational coverage. Which scenario would likely not be covered?

• A. He is injured in an automobile accident while driving to work
• B. He suffers third-degree burns while on vacation
• C. He falls from the roof of his personal residence while replacing shingles
• D. He falls and breaks his hip at work

Answer: (D)

Nonoccupational disability income coverage pays benefits for disabilities that occur away from work duties. Injuries that happen while performing job duties or at the workplace are typically not covered under a nonoccupational policy. In this scenario, the fall at work is a work-related injury, so it would not be covered. The other situations happen off the job—in commuting to work, while on vacation, or while doing home maintenance—so they would be covered by a nonoccupational policy. If on-the-job injuries are a concern, you’d need a policy that provides occupational coverage or workers’ compensation.