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When it comes to disability income payments related to an on-the-job injury, it is typical for these payments to be reduced by benefits paid under workers' compensation. Workers' compensation is designed to provide financial and medical benefits to employees who are injured during the course of their employment. Since these benefits are specifically intended to replace lost income and cover medical expenses resulting from work-related injuries, any disability income payments that Pat receives from a private disability insurance policy may be reduced accordingly to prevent a situation where he is receiving more income than he would have earned if he had not been injured.

This alignment between the workers' compensation benefits and disability income insurance ensures that an individual does not receive a windfall of overlapping benefits, which could be construed as an unfair advantage. Therefore, it is a standard practice for private disability policies to account for any workers' compensation benefits awarded, which is why the correct answer emphasizes the reduction based on benefits paid under that program.