Steve is a long-haul truck driver, and his regular driving route is from New York to Los Angeles. He recently got into an accident on-the-job, and his doctor said he could not do his regular job, which requires +9 hours of consecutive sitting and driving. Steve can however do other jobs at the same company, like office management. His insurance policy will pay him benefits regardless of whether or not he can do other work. What type of insurance policy does Steve have?