MHIC NASCLA Contractors Practice Exam

Which of the following is not a benefit provided through Workers Compensation?

1. Wage replacement

2. Job placement services

3. Rehabilitation costs

4. Medical costs

The correct answer is: Job placement services

Workers' Compensation is primarily designed to provide financial and medical support to employees who suffer job-related injuries or illnesses. This system includes benefits like wage replacement, rehabilitation costs, and medical costs for necessary treatments related to the injury. Wage replacement is a critical component, ensuring that injured workers receive a portion of their lost income while they recover. Similarly, rehabilitation costs facilitate the injured worker’s recovery and return to employment, covering expenses associated with physical therapy or vocational rehabilitation. Medical costs are also covered under Workers' Compensation, as this insurance takes care of medical expenses resulting from work-related injuries, ensuring that employees receive the necessary medical treatment without out-of-pocket costs. In contrast, job placement services are not typically included in the benefits of Workers' Compensation. While some rehabilitation programs may assist with job placement as part of a broader recovery strategy, it is not a guaranteed benefit of the Workers' Compensation system itself. Therefore, job placement services do not fall under the standard benefits provided, distinguishing it from the other options listed.