Insurance · Workers Compensation

What types of benefits does workers' compensation typically provide to an injured worker?

Correct answer

Medical benefits, temporary/permanent disability (wage replacement), rehabilitation, and death benefits to survivors — covering the costs and lost income from work-related injuries

  1. A Only a lump-sum payment
  2. B Medical benefits, temporary/permanent disability (wage replacement), rehabilitation, and death benefits to survivors — covering the costs and lost income from work-related injuries
  3. C Only legal fees
  4. D Only retirement benefits

Why this is the answer

WORKERS' COMPENSATION BENEFITS typically include: MEDICAL BENEFITS — covers medical treatment for the work-related injury/illness (often with no deductible and unlimited for the covered condition); DISABILITY (wage replacement): TEMPORARY (total or partial — while recovering) and PERMANENT (total or partial — lasting impairment) disability benefits, replacing a portion of lost wages; VOCATIONAL REHABILITATION — retraining/assistance to return to work; DEATH BENEFITS — paid to surviving dependents if the injury is fatal (plus burial expenses); NO-FAULT: Benefits paid regardless of fault; EXCLUSIVE REMEDY: Generally bars suing the employer; COVERAGE: Required for most employers (varies by state); covers work-related injuries and occupational illnesses; the categories of workers' comp benefits (medical, disability/wage replacement, rehabilitation, death) are core casualty exam content — workers' comp comprehensively addresses the costs and lost income from workplace injuries through these benefit types.
Source: Casualty Insurance — Workers' Compensation, Benefit Types

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