I guess I should knuckle down and look at the survey methodology to see for sure. But given my time constraints, I'll just note that while I acknowledge the ambiguity, I read that statement as closer to "we don't count people that missed out on a better job or promotion" (emphasizing the word "opportunity", I guess), rather than saying "we discounted all foregone income".
"NerdWallet Health chose to include only bankruptcy explicitly tied to medical bills, excluding indirect reasons like lost work opportunities." [0]
https://www.nerdwallet.com/blog/health/managing-medical-bill...