Which type of coverage is designed for employees who suffer disabilities not related to work because workers' compensation covers work injuries?

• A. Occupational disability coverage
• B. Non-occupational disability coverage
• C. Health savings
• D. Long-term care

Answer: (B)

Disability income protection for illnesses or injuries not related to work is provided by non-occupational disability coverage. This type of coverage fills the gap left when a disability isn’t caused by job activities, since workers' compensation only covers injuries or illnesses that occur on the job. Non-occupational disability coverage ensures you have income replacement while you can’t work due to a non-work-related disability. The other options address different needs: health savings accounts help pay medical costs, long-term care covers custodial care needs rather than income replacement, and occupational disability coverage would duplicate workers' compensation because it focuses on work-related disabilities.