Question

Which of the following statements about occupational versus non-occupational coverage is True?

A) Occupational coverage is typically more expensive than non-occupational coverage
B) Non-occupational coverage provides benefits only for work-related injuries
C) Occupational coverage is generally broader and covers injuries both on and off the job
D) Non-occupational coverage is mandatory for all employees

Answer 1

Statement C is true: Occupational coverage is broader and covers injuries both on and off the job, unlike non-occupational coverage, which only provides benefits for work-related injuries.

Step-by-step explanation:

The true statement about occupational versus non-occupational coverage is: C) Occupational coverage is generally broader and covers injuries both on and off the job. Occupational coverage refers to insurance that protects employees not only for work-related accidents but also for injuries that may occur outside of work. As such, it is usually broader in scope compared to non-occupational coverage, which only provides benefits for work-related injuries and is often included in state-run workman's compensation insurance plans.

In contrast, non-occupational coverage would not cover injuries that happen off the job. Considering the additional protection it offers, occupational coverage can indeed be more expensive than non-occupational coverage because it covers a larger risk group and for a broader range of scenarios, which results in a higher premium payment to the insurance company by the employee or employer.