South Carolina Life and Health Practice Exam

In a workplace accident involving employees, who is most likely to be covered under Workers' Compensation?

1. The person who caused the accident

2. The onlooker

3. The person injured while performing a task

4. Both individuals involved in the race

The correct answer is: The person injured while performing a task

Workers' Compensation is designed to provide benefits to employees who are injured in the course of their employment. This system covers medical expenses, lost wages, and rehabilitation costs for workers who suffer injuries while performing their job duties. In the context of a workplace accident, the individual who is most likely to be covered is the person injured while performing a task related to their job. Workers' Compensation insurance is structured to support employees specifically engaged in their work duties at the time of the accident. This coverage is crucial for protecting employees’ rights and ensuring they receive necessary support without having to prove fault concerning the accident. The other options do not align with Workers' Compensation coverage. The person who caused the accident, although possibly liable for negligence, is not covered under Workers' Compensation for their own injuries. An onlooker typically does not have any employment relationship with the company and thus would not be eligible for benefits. Similarly, the mention of individuals involved in a race does not pertain to typical workplace duties and would likely be outside the scope of what Workers' Compensation covers, unless explicitly stated within the context of their job responsibilities.