What type of coverage does Jerome have if his disability income policy does not provide benefits for losses due to employment?

Jerome has nonoccupational coverage if his disability income policy does not provide benefits for losses due to employment. Nonoccupational coverage is specifically designed to cover disabilities that are not related to one’s job or employment activities. This means that if Jerome were to become disabled due to a reason unrelated to his work—such as an illness or an injury sustained during leisure activities—he would be eligible for benefits under his policy.

In contrast, occupational coverage would provide benefits for disabilities stemming from job-related activities, which does not apply in this case. Accidental coverage typically refers to policies focused on injuries resulting from accidents, while disability coverage is a broader term encompassing various types of disability insurance. Therefore, the specificity of nonoccupational coverage aligns perfectly with the description of Jerome's policy, making it the correct choice.