Workers Compensation Insurance
Questions and Answers | Latest Version
| 2025/2026 | Correct & Verified
What is the primary purpose of workers’ compensation insurance?
✔✔ To provide wage replacement and medical benefits to employees injured on the job.
Who pays for workers’ compensation insurance coverage?
✔✔ The employer.
Can an employee receive workers’ compensation benefits if the injury was their fault?
✔✔ Yes, workers’ compensation is generally no-fault.
What should an employee do first after being injured on the job?
✔✔ Report the injury to their employer as soon as possible.
Does workers’ compensation cover injuries that happen during a lunch break offsite?
✔✔ No, unless the break was part of a work-related duty.
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, What kind of injuries are typically covered by workers’ compensation insurance?
✔✔ Injuries that occur in the course and scope of employment.
Can stress or mental health conditions be covered under workers' compensation?
✔✔ Yes, if they are work-related and properly documented.
What benefit does workers' compensation provide for a permanently disabling injury?
✔✔ Permanent disability compensation based on severity.
Is medical treatment for a work injury covered under workers' comp?
✔✔ Yes, all reasonable and necessary medical expenses are covered.
How soon should a workers’ compensation claim be filed after an injury?
✔✔ As soon as possible, ideally within a few days.
What happens if an employer doesn’t carry workers’ compensation insurance?
✔✔ They may face fines, lawsuits, and criminal penalties.
2
Questions and Answers | Latest Version
| 2025/2026 | Correct & Verified
What is the primary purpose of workers’ compensation insurance?
✔✔ To provide wage replacement and medical benefits to employees injured on the job.
Who pays for workers’ compensation insurance coverage?
✔✔ The employer.
Can an employee receive workers’ compensation benefits if the injury was their fault?
✔✔ Yes, workers’ compensation is generally no-fault.
What should an employee do first after being injured on the job?
✔✔ Report the injury to their employer as soon as possible.
Does workers’ compensation cover injuries that happen during a lunch break offsite?
✔✔ No, unless the break was part of a work-related duty.
1
, What kind of injuries are typically covered by workers’ compensation insurance?
✔✔ Injuries that occur in the course and scope of employment.
Can stress or mental health conditions be covered under workers' compensation?
✔✔ Yes, if they are work-related and properly documented.
What benefit does workers' compensation provide for a permanently disabling injury?
✔✔ Permanent disability compensation based on severity.
Is medical treatment for a work injury covered under workers' comp?
✔✔ Yes, all reasonable and necessary medical expenses are covered.
How soon should a workers’ compensation claim be filed after an injury?
✔✔ As soon as possible, ideally within a few days.
What happens if an employer doesn’t carry workers’ compensation insurance?
✔✔ They may face fines, lawsuits, and criminal penalties.
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