Alabama Property and Casualty Practice Exam

Which of the following is NOT a benefit provided under Workers Compensation Part One?

1. Medical expenses

2. Temporary disability benefits

3. Long term care

4. Supplemental income

The correct answer is: Long term care

Workers' compensation insurance is designed to provide financial support and assistance to employees who sustain injuries or illnesses as a result of their work. This type of insurance typically includes several core benefits aimed at covering different aspects of recovery and support for the affected workers. Medical expenses are covered under workers' compensation to ensure that employees receive the necessary medical treatment required due to job-related injuries or illnesses. Temporary disability benefits are provided to replace lost wages for employees who are unable to work for a limited period while recovering. Additionally, supplemental income can be included in workers’ compensation to help employees who may face a reduction in earnings due to their impaired ability to work following an injury. Long term care, however, is generally not a benefit offered under the basic framework of workers' compensation. While workers' compensation provides for medical expenses and lost wages, long-term care often falls outside the purview of this system, especially for ongoing support associated with non-work-related conditions or prolonged disability beyond a reasonable recovery period. Long term care usually encompasses services related to chronic illnesses or disabilities, which may require extended support or rehabilitation beyond what is typically addressed by workers' compensation programs.