Which situation would not be covered under Dan's nonoccupational disability income insurance policy?

The situation that would not be covered under Dan's nonoccupational disability income insurance policy involves an incident that occurs while he is at work. Nonoccupational disability income insurance is specifically designed to cover only those injuries and disabilities that arise from activities outside of one's job or occupation. This means that if a person is injured while performing work-related tasks, such injuries would not be eligible for coverage under a nonoccupational policy.

In this case, falling and breaking a hip at work falls squarely within the realm of occupational hazards, and therefore, it wouldn't be covered. The policy excludes work-related injuries, emphasizing its focus on disabilities that arise from personal or non-work-related activities.

Other scenarios such as being injured in an automobile accident while commuting, suffering burns while on vacation, or falling while doing home repairs, are all non-work-related incidents that would typically be covered under a nonoccupational disability policy, as they do not happen in the scope of his employment. This distinction is critical for understanding the limitations and appropriate contexts for nonoccupational disability insurance.