An individual disability policy covers only nonoccupational disabilities. What does this mean?
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Why A is correct
A nonoccupational disability policy limits benefits to disabilities that occur outside the workplace, on the theory that work-related injuries and illnesses are already covered by workers' compensation. By excluding occupational disabilities, the insurer avoids duplicate payments, and the premium reflects the narrower risk. In contrast, a broader policy without this limitation would cover job-related disabilities as well. Agents must match the policy definition to the insured's actual exposure and coordinate with any workers' compensation coverage so the client understands which events are excluded.
Why the other options are wrong
- B) Paying regardless of where the disability arises describes a broader policy without the nonoccupational limitation, not the policy in the question. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
- C) Covering only occupational hazards is the opposite of a nonoccupational policy, which excludes work-related events rather than covering them. 职业性与非职业性伤残的划分决定保障范围及与工伤补偿的协调。 该区分影响保险公司的赔付责任，也涉及与工伤补偿的衔接问题。 职业性与非职业性伤残的划分决定保障范围及与工伤补偿的协调。 该区分影响保险公司的赔付责任，也涉及与工伤补偿的衔接问题。 职业性与非职业性伤残的划分决定保障范围及与工伤补偿的协调。 该区分影响保险公司的赔付责任，也涉及与工伤补偿的衔接问题。 职业性与非职业性伤残的划分决定保障范围及与工伤补偿的协调。 该区分影响保险公司的赔付责任，也涉及与工伤补偿的衔接问题。 职业性与非职业性伤残的划分决定保障范围及与工伤补偿的协调。 该区分影响保险公司的赔付责任，也涉及与工伤补偿的衔接问题。
- D) Policies typically coordinate with workers' compensation to avoid duplicate payment for occupational disability, so they would not cover an already-compensated injury. 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。 伤残定义的各项标准直接决定给付资格，考生应掌握其判定要点。 各类伤残定义的差异决定了是否触发给付，须按政策条款逐项核对。
Memory hook
Nonoccupational = home and hobby injuries only. The workplace accident belongs to workers' comp.