Which statement about workers' compensation is NOT true?

• A. It is employee paid insurance
• B. It is a system of benefits provided by law to employees who experience work-related injuries or occupational diseases, generally regardless of fault.
• C. It provides protection for both employees and employers
• D. It covers on-the-job injuries

Answer: (A)

Workers’ compensation is a legally established system that provides benefits to employees who suffer work-related injuries or occupational diseases. It operates on a no-fault basis, so benefits are provided regardless of fault, within the program’s rules. The funding typically comes from employers through insurance premiums, not from employees. This setup gives workers access to medical care, wage replacement, and other benefits while offering employers protection from most lawsuits and providing a predictable, exclusive remedy in many cases. It covers injuries that occur on the job and certain work-related illnesses. The statement that it is employee-paid insurance isn’t accurate; the rest describe how workers’ compensation functions.