Disability Income✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
An occupational (occupational-only) disability policy pays benefits when the insured:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Occupational-only disability coverage insures against disability that arises out of and in the course of the insured's employment, similar in spirit to workers' compensation causation. Non-occupational coverage is the mirror image: it pays for disabilities caused by non-work-related events. A 24-hour policy combines both to provide continuous protection. Knowing which coverage the employer or association purchased matters because an injury on the job under an occupational-only plan is covered, while the same injury off the job is not.
Why the other options are wrong
- B) Coverage for any cause, work-related or not, describes a 24-hour or comprehensive policy, not occupational-only coverage.
- C) An illness unrelated to work is a non-occupational event and falls outside occupational-only coverage.
- D) An injury during a non-work activity is a non-occupational loss and is not covered by occupational-only disability insurance.
Memory hook
Occupational = on the clock. Non-occupational = off the clock. 24-hour = both clocks.