Insurance Licensing Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Virginia-Life-Annuities-and-Health-Insurance Question # 56 Topic 6 Discussion
Insurance Licensing Virginia Life, Annuities, and Health Insurance Examination Series 11-01 Virginia-Life-Annuities-and-Health-Insurance Question # 56 Topic 6 Discussion
Disability resulting from which one of the following occurrences would be EXCLUDED under a disability income insurance policy providing ONLY nonoccupational coverage?
A.
The insured is injured while diving into a neighbor's swimming pool
B.
The insured is injured in an auto accident while on vacation
C.
The insured is injured in a commuter train crash while riding to work
A nonoccupational disability income policy covers accidents and sicknesses occurring off the job. Disabilities caused while performing work-related duties are excluded, since they are covered by workers’ compensation instead.
Exact Extract (Virginia Disability Insurance Study Guide): “Nonoccupational policies exclude coverage for work-related disabilities, which are handled under workers’ compensation.”
References (Virginia Documents / Study Guide):
— Virginia Health Insurance Examination Outline, Disability Income Insurance Exclusions
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