Which type of disability income policies typically cover only nonoccupational disabilities?

The correct choice relates to the nature of workers’ compensation policies, which are designed specifically to cover disabilities arising from work-related injuries or occupational diseases. In contrast, workers’ compensation focuses solely on job-related impairments and does not address nonoccupational disabilities.

Long-term disability policies generally provide coverage for both occupational and nonoccupational disabilities, allowing individuals to receive benefits for a broader range of conditions that prevent them from working. Similarly, short-term disability policies also tend to cover both types of disabilities, offering temporary income replacement for a variety of circumstances not limited to occupational causes. Disability income riders are typically add-ons to other insurance policies and can provide coverage for a wide range of disabilities without restricting to just nonoccupational conditions.

The focus on nonoccupational disabilities effectively excludes coverage for work-related incidents, which is why workers’ compensation is distinct in its purpose and scope compared to the other options provided.