Question

In states without a mandated fund for workers' compensation which of the following is an option for employers?

a) Use the Federal program operated by the Office of Workers' Compensation Programs
b) Purchase workers' compensation insurance from a private carrier
c) Provide workers' compensation at a cost to the employee
d) Do not offer workers' compensation to their employees

Answer 1

In states without a mandated fund for workers' compensation, employers have several options: use the federal program, purchase insurance from a private carrier, provide coverage at a cost to the employee, or not offer workers' compensation.

Step-by-step explanation:

In states without a mandated fund for workers' compensation, employers have several options:

1. Use the Federal program operated by the Office of Workers' Compensation Programs: This program provides workers' compensation benefits to employees if the state does not have a mandatory fund. Employers can participate in this program to ensure their employees are covered.
2. Purchase workers' compensation insurance from a private carrier: Employers can buy insurance from a private carrier to cover the costs of workers' compensation. This ensures that employees are protected in case of job-related injuries.
3. Provide workers' compensation at a cost to the employee: Some employers may choose to provide workers' compensation but pass on the cost to the employee. This means that the employee will have to pay for their coverage.
4. Do not offer workers' compensation to their employees: Lastly, employers may choose not to offer workers' compensation to their employees if it is not required by law.