Final answer:
Non-occupational disability coverage provides insurance for employees with disabilities that are not work-related, filling the gap that workman's compensation doesn't cover. Non-occupational disabilities can be covered by private insurance or government benefits like Social Security disability payouts. The ADA also protects employees with disabilities from discrimination and ensures reasonable accommodations in the workplace.
Step-by-step explanation:
Understanding Non-occupational Disability Coverage
Non-occupational disability coverage refers to insurance protection for employees who suffer from a disability that is not related to their job. This type of coverage is essential because work-related disabilities are typically covered by workman's compensation insurance. Workman's compensation requires employers to contribute to state-run funds that provide benefits to workers injured on the job. However, for disabilities that occur outside of work, individuals often rely on non-occupational disability insurance or government benefits such as Social Security disability payments or Supplemental Security Income, which support those with significant disabilities.
Moreover, the Americans with Disabilities Act (ADA) provides protection against discrimination in employment based on disability and requires reasonable accommodations for qualified individuals. The term 'disability' has been subject to narrow interpretations by courts, sometimes excluding persons whose conditions can be mitigated with medical aids.
It's important to understand the difference between these types of coverage and how they interact with employment laws to ensure that all individuals have the necessary support in case of a non-work related disability. Employment-based insurance is another option, often provided by an employer or union, while direct-purchase insurance can be bought by an individual from a private company.