Which of the following is NOT typically covered by a Disability Income policy?

Which of the following is NOT typically covered by a Disability Income policy?

• A. Injury from an accident
• B. Illness resulting in hospitalization
• C. Voluntary unemployment
• D. Long-term disability due to chronic illness

Answer: (C)

In a Disability Income policy, coverage is meant to provide financial support for individuals unable to work due to specific medical conditions, accidents, or illnesses that lead to disability. In this context, voluntary unemployment does not align with the intent of disability income policies, which focus on compensating for loss of income due to an inability to perform one’s job. Individuals who are voluntarily unemployed have intentionally chosen not to work for reasons unrelated to health issues, thus making them ineligible for benefits. Conversely, injuries from accidents, illnesses that require hospitalization, and long-term disabilities due to chronic conditions are circumstances that genuinely hinder a person's capacity to work and are typically covered by disability income policies. Hence, voluntary unemployment stands out as the option not covered, as it does not stem from a qualifying disability.

In a Disability Income policy, coverage is meant to provide financial support for individuals unable to work due to specific medical conditions, accidents, or illnesses that lead to disability. In this context, voluntary unemployment does not align with the intent of disability income policies, which focus on compensating for loss of income due to an inability to perform one’s job.

Individuals who are voluntarily unemployed have intentionally chosen not to work for reasons unrelated to health issues, thus making them ineligible for benefits. Conversely, injuries from accidents, illnesses that require hospitalization, and long-term disabilities due to chronic conditions are circumstances that genuinely hinder a person's capacity to work and are typically covered by disability income policies. Hence, voluntary unemployment stands out as the option not covered, as it does not stem from a qualifying disability.