PSI Ohio Insurance Practice Exam

Short-term disability insurance typically covers which types of injuries?

1. Occupational injuries only

2. Non-occupational injuries

3. Both occupational and non-occupational injuries

4. Only injuries resulting from accidents

The correct answer is: Non-occupational injuries

Short-term disability insurance is designed to provide income replacement for individuals who are temporarily unable to work due to medical conditions that are not work-related. This typically includes injuries and illnesses that occur outside of the workplace, such as personal injuries or illnesses, which aligns with the concept of non-occupational injuries. While some short-term disability plans may cover certain occupational injuries, the primary focus is on disabilities that result from circumstances unrelated to the work environment. This is important for individuals seeking coverage to understand that short-term disability insurance is not primarily intended for job-related incidents. Its role is to support employees in times of personal medical need, maintaining financial stability during recovery. Furthermore, the other choices suggest a narrower scope of coverage which does not fully encapsulate the typical provisions of short-term disability insurance. Recognizing the distinction between occupational and non-occupational conditions is key, as it helps policyholders navigate their benefits more effectively.