Understanding Workers' Compensation

What is the primary purpose of Workers' Compensation?

• To provide employees with vacation benefits

• To pay employees extra wages

• To cover medical expenses and lost wages due to work-related injuries

• To allow employees to sue their employer

Who typically pays for Workers' Compensation insurance?

• The employee

• The employer

• The government

• A labor union

Which of the following injuries would most likely be covered by Workers' Compensation?

• A worker falling off a ladder while fixing office lights

• A worker spraining an ankle while jogging outside of work

• An employee getting into a car accident while on vacation

• A worker injuring themselves while fighting with a coworker

Who is generally NOT eligible for Workers' Compensation benefits?

• A factory worker injured by heavy machinery

• A construction worker developing lung disease from asbestos exposure

• An independent contractor working for a company

• A retail cashier who slips and falls at work

If an employee is injured while violating company policy, what happens?

• They automatically receive benefits

• They may be denied Workers' Compensation

• They will be fined by the government

• Their employer must pay them in cash

Why do employees NOT pay for Workers' Compensation insurance?

• The government provides it for free

• It is covered entirely by employers as part of the job benefits

• Employees receive it only if they pay into it

• Unions collect the payments from employees

Which of the following would NOT be covered under Workers' Compensation?

• A teacher breaking an ankle while slipping on a wet floor at school

• A construction worker cutting their hand while on a work site

• An office worker getting injured while lifting heavy boxes at work

• A worker getting into a fight at work and getting hurt

What happens if an employee fakes an injury to receive Workers' Compensation?

• They automatically receive benefits

• They can face legal consequences and be denied benefits

• Their employer must still pay for their treatment

• The government gives them additional payments

What must an employee do after getting injured at work to receive Workers' Compensation?

• Keep working and ignore the injury

• Report the injury to their employer immediately

• Quit their job and look for another one

• Wait a month to see if the injury heals on its own

How does Workers' Compensation benefit employers?

• It helps them avoid lawsuits from injured employees

• It allows them to pay workers less

• It replaces all employee wages permanently

• It lets them choose which employees to insure