Which situation is likely NOT covered by Dan's disability income insurance policy?

In the context of disability income insurance, coverage usually pertains to the limitations and exclusions outlined in the policy specifics. Dan's situation in which he falls and breaks his hip at work is generally likely to be covered because injuries sustained during the course of employment are often included under workers' compensation policies or similar disability coverage.

Disability income insurance typically covers injuries or illnesses that prevent a person from working, so scenarios that involve accidents or health issues unrelated to employment and related exclusions may lead to situations not being covered. In contrast, becoming disabled due to a sports injury, being hospitalized for an illness, or injuring oneself while hiking often falls outside the scope of what many policies cover, as these could be associated with voluntary activities that the insurer may exclude from coverage.

Thus, Dan's hip injury at work is categorically more likely to be covered than the other scenarios presented, which are commonly implicated for limited coverage under disability income insurance.