What type of coverage includes both work-related and non-work-related injuries?

The correct choice is nonoccupational coverage, which specifically encompasses injuries that occur outside of the workplace. This type of insurance provides benefits for ailments and injuries that are not related to a person's job, such as accidents that happen while engaging in recreational activities or during daily life outside of work.

In contrast, occupational coverage is intended exclusively for injuries and illnesses that arise as a direct result of work activities. Workers' compensation is a particular type of insurance that provides financial assistance to employees who are injured on the job; therefore, it does not cover non-work-related injuries. Temporary disability coverage typically refers to a benefit for individuals who cannot work for a limited period due to either an occupational or nonoccupational condition, but it does not inherently provide a broader coverage that combines both aspects beyond its limited scope.

Understanding these distinctions is crucial in grasping how different types of coverage operate within the realm of health and life insurance, particularly in Tennessee.