Mississippi Property & Casualty Practice Exam

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Which of the following is NOT covered under workers' compensation?

Medical expenses
Disability benefits
Pain and suffering
Loss of wages

The correct answer is: Pain and suffering

Workers' compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment. It is designed to cover specific costs that arise due to work-related injuries or illnesses. Medical expenses are covered as they ensure that injured workers receive immediate and necessary treatment for their injuries. Disability benefits provide financial support to employees who are unable to work for a certain period due to their injuries, helping to mitigate the financial impact of missing work. Loss of wages is also addressed under workers’ compensation, as it compensates for the income an employee would miss while recovering from a work-related injury or illness. However, pain and suffering are not covered under workers’ compensation. This is a significant aspect of the system, as it limits compensation to specific economic losses and avoids emotional distress claims. By not including pain and suffering, workers’ compensation aims to provide a more predictable and equitable system for both employers and employees, preventing extensive litigation that could arise from subjective pain assessments.