Massachusetts Health & Accident Insurance Practice Exam

What is a primary feature of Nondisabling Injury coverage?

1. Covers long-term disabilities

2. Provides benefits only if individual does not qualify for income benefits

3. Offers lifetime coverage for all injuries

4. Includes coverage for mental health conditions

The correct answer is: Provides benefits only if individual does not qualify for income benefits

Nondisabling Injury coverage is specifically designed to provide benefits for injuries that do not result in permanent disabilities and typically compensates for the temporary effects of an injury. The essence of this coverage is to offer benefits that bridge the gap when an individual suffers an injury but does not meet the criteria for income benefits due to absence from work. This means that if an injury leads to a period during which the individual is unable to work but does not qualify for long-term disability, this coverage will step in to provide some financial support. This distinguishes it from coverage that addresses long-term disabilities which may not apply to every injury. Thus, the focus on providing benefits only when an individual does not qualify for income benefits aligns perfectly with the nature of Nondisabling Injury coverage, making it the correct response. The other possibilities each describe features outside the scope of what Nondisabling Injury coverage entails. For example, it does not cover long-term disabilities, as that functionality is reserved for different types of disability insurance. Lifetime coverage is also not a feature of this specific coverage; instead, it is typically time-limited. Lastly, while mental health conditions may be relevant for certain policies, Nondisabling Injury coverage primarily addresses physical injuries without explicitly including mental health