Non-occupational disability coverage is designed for employees who suffer non-work related disabilities, since work-related disabilities are covered by Workers' Compensation.

• A. Retirees
• B. Independent contractors
• C. Part-time workers
• D. Employees who suffer non-work related disabilities

Answer: (D)

Non-occupational disability coverage provides income protection when a disability prevents you from working, but the cause isn’t related to your job. Since Workers’ Compensation already covers work-related injuries or illnesses, non-occupational coverage is meant for employees who are disabled for non-work reasons. That’s why the best description is employees who suffer non-work related disabilities. Retirees aren’t actively employed, independent contractors aren’t usually covered by employer disability plans, and while part-time workers are employees, the policy’s purpose is specifically about non-work-related disabilities.