John T. works on the assembly line at an automobile factory. One day he falls off the roof of his house while cleaning the gutters and injures his back. He learns he will be off his job for almost a year while his back heals. Which of the following insurance will he need to cover losses from his absence?

A. He will be covered by disability insurance for 3 months.
B. He may potentially be covered by disability insurance provided by his employer until he goes back to work.
C. He will have to collect from his regular medical insurance.
D. Because the accident happened at home he is not covered.
Please help I'm not sure of the answer

B is possible, but not often work insurance covers home injuries.

He needs to check his home owners insurance policy, sometimes that covers slip and fall, including owners. If it is going to last for over a year, SSI is a likely option.

thanks so much

Based on the given information, the most appropriate option would be B. John may potentially be covered by disability insurance provided by his employer until he goes back to work.

Explanation: Disability insurance is designed to provide income replacement if an individual is unable to work due to an injury or illness. Since John will be off his job for almost a year while his back heals, disability insurance can help cover his losses during this period. It is common for employers to offer disability insurance as part of their employee benefits package, so he may have coverage through his employer. However, the specific terms and conditions of the disability insurance policy will determine the extent and duration of coverage.

To determine the correct insurance coverage for John T. in this scenario, we need to evaluate the options given:

A. Disability insurance for 3 months: This option provides coverage for a limited period of 3 months only. Since John T. will be off his job for almost a year, this coverage is not sufficient.

B. Disability insurance provided by his employer until he goes back to work: This option suggests that John T. may potentially be covered by disability insurance provided by his employer until he returns to work. This type of insurance usually offers coverage for an extended duration, potentially up to a year or more. It is advisable for John T. to check his employment contract or consult with his employer's Human Resources department to determine the specifics of his disability coverage.

C. Regular medical insurance: Regular medical insurance typically covers medical expenses related to illnesses or injuries. While it may provide coverage for medical treatments required due to John T.'s back injury, it does not provide compensation for the income lost during his absence from work.

D. No coverage due to the accident happening at home: The location of the accident does not necessarily determine whether John T. is eligible for insurance coverage. The type of insurance coverage he qualifies for will depend on the terms and conditions of his insurance policies.

Based on the options provided, it is most likely that John T. may potentially be covered by disability insurance provided by his employer until he returns to work (option B). However, it is important for him to validate this information with his employer or review his insurance policy to confirm the specific coverage and duration.