Non-occupational disability coverage is designed for:

Non-occupational disability coverage is specifically designed to provide financial support to individuals who experience disabilities that are not related to their job or work activities. This type of coverage is important because it protects employees from loss of income due to various reasons such as illness, injury from non-work activities, or other personal health conditions that prevents them from performing their usual duties.

By focusing on non-work related disabilities, this coverage distinguishes itself from occupational disability coverage, which only applies to disabilities arising from work-related incidents. It ensures that employees can have financial security regardless of whether their disability is tied to their occupation, thereby offering a broader safety net for personal health issues.

While the other options touch on various aspects of disability and coverage, they do not align with the primary purpose of non-occupational disability coverage, which is solely focused on providing benefits for conditions that do not occur in the course of employment.