Building Code Administrators and Inspectors Florida Principle and Practice Licensure Practice Exam

Which type of disability does Workers' Compensation insurance cover regarding wage loss?

1. Only permanent disabilities

2. Temporary and permanent disabilities

3. Only total disabilities

4. Only partial disabilities

The correct answer is: Temporary and permanent disabilities

Workers' Compensation insurance is designed to provide benefits for wage loss resulting from work-related injuries or illnesses. It covers a broad range of disabilities, including both temporary and permanent disabilities. Temporary disabilities are those that prevent an employee from working for a limited time, but they are expected to recover fully. In contrast, permanent disabilities occur when an employee has lasting impairments that affect their ability to work either partially or completely. By covering both types, Workers' Compensation ensures that employees have access to financial support during their recovery periods and, if necessary, the resources to manage living with a permanent disability. This comprehensive coverage is essential in protecting workers and promoting their well-being after experiencing job-related injuries, making the correct option one that includes both temporary and permanent disabilities.