Florida 2-20 General Lines Agent (Property, Casualty, Commercial Lines and Florida Law)Casualty InsuranceMedium
A Florida roofing contractor's employee is injured after falling from a roof at a job site. The employee files a Workers' Compensation claim. The contractor has a standard Workers' Compensation policy. Which of the following benefits is generally NOT provided under the medical benefits component of a Workers' Compensation policy?
- AReimbursement for lost wages during recovery.
- BCosts for physical therapy and rehabilitation.
- CPayment for prescription medications related to the injury.
- DCoverage for hospital stays and surgeries.
Show answer & explanationAnswer & explanation
Correct answer: A. Reimbursement for lost wages during recovery.
Medical benefits under Workers' Compensation cover the costs of treating the work-related injury or illness, including prescriptions, hospital stays, surgeries, and rehabilitation. Reimbursement for lost wages (indemnity benefits) is a separate component of Workers' Compensation, distinct from medical benefits.
Why the other options are wrong
- B. Physical therapy and rehabilitation are direct medical costs covered by medical benefits.
- C. Prescription medications are a direct medical cost covered by medical benefits.
- D. Hospital stays and surgeries are direct medical costs covered by medical benefits.
Workers' Comp Medical Benefits
Covers all necessary and reasonable medical treatment for work-related injuries or illnesses, without deductibles or co-pays.
- Includes doctor visits, hospital care, prescriptions.
- Also covers rehabilitation and durable medical equipment.
- Distinct from lost wage (indemnity) benefits.
Memory trick: Workers' Comp heals and helps you earn.