What is typically not covered by non-occupational disability insurance?

Non-occupational disability insurance is designed to provide benefits for disabilities that occur outside of the workplace. It does not cover work-related disabilities, which is why this option is correct. This type of insurance primarily focuses on injuries and illnesses that are not a result of job duties or work environment.

When considering the other options: injuries sustained while off the job are typically covered, as they fall within the scope of non-occupational insurance. Injuries due to an act of war are usually excluded from coverage in most disability insurance policies, as they are considered high-risk situations not associated with everyday activities. Chronic health conditions are generally covered under non-occupational disability insurance unless explicitly stated otherwise in the policy, as they can affect an individual's ability to work outside of the job environment.

Thus, non-occupational disability insurance is specifically tailored to ensure that individuals are compensated for disabilities that are not work-related, establishing the rationale behind why work-related disabilities are not included.