Which statement about Nonoccupational Policy is true?

Which statement about Nonoccupational Policy is true?

• A. It covers injuries that occur on the job
• B. It covers injuries and illnesses that occur off the job
• C. It covers only catastrophic injuries
• D. It covers on-the-job injuries only

Answer: (B)

Nonoccupational coverage means protection for events that happen away from work. So a nonoccupational policy covers injuries and illnesses that occur off the job, rather than those that occur on the job. Injuries that happen at work are handled by workers’ compensation, not a nonoccupational policy. That’s why the statement describing off‑the‑job coverage is the correct one. The ideas that it only covers catastrophic injuries or that it covers on‑the‑job injuries don’t fit the typical scope of nonoccupational coverage.

Nonoccupational coverage means protection for events that happen away from work. So a nonoccupational policy covers injuries and illnesses that occur off the job, rather than those that occur on the job. Injuries that happen at work are handled by workers’ compensation, not a nonoccupational policy. That’s why the statement describing off‑the‑job coverage is the correct one. The ideas that it only covers catastrophic injuries or that it covers on‑the‑job injuries don’t fit the typical scope of nonoccupational coverage.