Non-occupational disability coverage is primarily intended for which group?

Non-occupational disability coverage is designed specifically to provide financial protection to individuals who become disabled due to conditions not related to their employment. This type of coverage is crucial for employees who may find themselves unable to work due to illnesses or injuries that occur outside the workplace. It ensures that they can maintain a level of income and support themselves through difficult times, thus emphasizing the importance of this protection for employees.

Other groups mentioned may not align as closely with the primary intent of non-occupational disability coverage. For instance, individuals seeking 24-hour protection or specific exemptions from Workers' Compensation typically have different needs and coverage options available to them. Sole proprietors and self-employed individuals might also seek other types of coverage tailored to their unique situations, rather than specifically looking at non-occupational disability coverage. Therefore, the focus on employees suffering from non-work-related disabilities clearly delineates the primary target of this type of insurance.