John T. works on the assembly line in an automobile factory one day, he falls off the roof of his home while cleaning to a year while his back heals. Which of the following insurance will he need to cover losses from his absence? A.) He will be covered by disability insurance for a period of three months. B.) He may potentially be covered by disability insurance provided by his employer until he returns to work. C.) He will have to collect from his regular medical insurance. D.) Because the accident occurred at home, he is not covered.

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okimamma okimamma · Answer 1 · 2021-10-05T21:48:38+02:00

Answer:

B.) He may potentially be covered by disability insurance provided by his employer until he returns to work.

Explanation:

I took the test and this was the correct answer.

Disability insurance is a type of insurance that protects you in the event of an unexpected illness or

accident that causes you to be unable to work and earn an income.

● Short-term disability provides an income for the beginning stages of a disability. A policy may

pay benefits for two weeks up to two years. Short-term disability is usually included as a benefit

from your employer. Review your policy plan to ensure you understand your benefits.

● Long-term disability helps to replace income for a longer period of time. Usually the benefit lasts

five years or when the disabled person turns 65. Most employers offer long-term disability

benefits; however, you can purchase it as an individual.