MHIC NASCLA Contractors Practice Exam

What benefits are provided to an injured employee if needed?

1. Wage replacement

2. Medical costs

3. Rehabilitation costs

4. All of the above

The correct answer is: All of the above

When an employee gets injured while on the job, various benefits are typically available to support their recovery and financial stability. Wage replacement is one of the key benefits, providing the injured worker with a portion of their lost income due to their inability to work. This helps ease the financial burden during their recovery period. Medical costs are also covered, ensuring that the injured employee can receive the necessary medical care, including treatment, hospitalization, medications, and any related expenses. This benefit is crucial for allowing the employee to focus on healing rather than worrying about how to pay for medical services. Additionally, rehabilitation costs are included in the benefits package. If the injury requires physical therapy, occupational therapy, or any other form of rehabilitation to help the employee return to work, those expenses are often covered. This support is vital for facilitating a safe and effective return to the workplace. Considering all these aspects, it is clear that the comprehensive coverage provided to an injured employee includes wage replacement, medical costs, and rehabilitation costs, making it evident that the correct choice is that all of these benefits are offered.