New York Child Abuse Identification and Reporting Practice Exam

Short term disability insurance generally only covers injuries due to which of the following?

1. Work-related injuries

2. Non-occupational injuries

3. Both work-related and non-occupational injuries

4. Pre-existing conditions

The correct answer is: Non-occupational injuries

Short term disability insurance is primarily designed to provide income replacement for individuals who are temporarily unable to work due to non-work-related injuries or illnesses. This type of insurance typically covers medical situations such as surgeries, severe illnesses, or accidents that do not occur in the workplace. The focus on non-occupational injuries is crucial as these policies are structured to help employees maintain their financial stability when they experience health-related challenges outside of their job. In contrast, work-related injuries are usually addressed through workers' compensation insurance, which is specifically intended to cover those injuries that happen as a direct result of job duties. Pre-existing conditions may also not qualify for coverage under standard short term disability policies unless they have been stable for a certain period and are documented properly. Hence, the emphasis on non-occupational injuries aligns with the primary purpose of short term disability insurance, making this answer correct.