John t. works on the assembly line in an automobile factory one day, he falls off the roof of his home while cleaning to 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 a period of three months. b.) he may potentially be covered by disability insurance provided by his employer until he returns to work. c.) he will have to collect from his regular medical insurance. d.) because the accident occurred at home, he is not covered.