For a person already covered by Workers' Compensation insurance, why might it be beneficial to purchase private disability income insurance providing coverage for on-the-job injuries?

While it is true that Workers' Compensation may not cover all types of rehabilitation, many policies do offer rehabilitation benefits designed to help injured workers return to their jobs. Therefore, this statement does not justify the need for private disability insurance specifically for on-the-job injuries.

This statement is misleading, as most on-the-job injuries are indeed covered under Workers' Compensation. However, there are exceptions—such as injuries caused by willful misconduct or those occurring during non-work-related activities. Nevertheless, this does not establish a substantial reason to acquire private disability insurance.

This option does not accurately reflect the typical cost structure. Private disability insurance is often an additional expense, and it does not directly compare to the costs of Workers' Compensation coverage. Therefore, this rationale does not support the necessity of obtaining private insurance for on-the-job injuries.