Which of the following does NOT immediately benefit from a Catastrophe Savings Account?

A Catastrophe Savings Account is designed to provide financial assistance specifically for expenses resulting from natural disasters or catastrophes. Such accounts typically benefit policyholders by allowing them to save for high deductible amounts or other costs associated with catastrophic events. Losses from natural disasters, coverage for insurance deductibles, and self-insured losses all directly relate to providing support during catastrophic events, making them relevant beneficiaries of funds from these accounts.

Collective bargaining agreements, however, are not typically associated with immediate benefits from a Catastrophe Savings Account. These agreements often relate to labor negotiations and establishing terms of employment, which do not pertain to the financial aspect of savings accounts designed to address catastrophic damages or related expenses. Thus, policyholders or employees under collective bargaining agreements wouldn't see immediate benefits from the savings account in the context of natural disasters, distinguishing it from the other options that are clearly aligned with catastrophe-related expenses.