Michigan Nursing Home Administrator (NHA) Practice Exam

What is a requirement for employers under the Worker’s Compensation Agency guidelines?

1. Provide immediate on-site medical care

2. Purchase necessary insurance

3. Conduct regular safety audits

4. Offer employee wellness programs

The correct answer is: Purchase necessary insurance

The requirement for employers to purchase necessary insurance under the Worker’s Compensation Agency guidelines is essential because it ensures that workers are protected in the event of job-related injuries or illnesses. This insurance provides financial resources to cover medical expenses, rehabilitation costs, and partial wage replacement for employees who are unable to work due to their injuries. By obtaining worker’s compensation insurance, employers not only comply with legal obligations but also contribute to a safer workplace environment as they are incentivized to implement safety measures to minimize accidents and injuries. While immediate on-site medical care, conducting regular safety audits, and offering employee wellness programs are beneficial practices, they do not fulfill the core legal requirement established by the Worker’s Compensation laws. These practices can certainly enhance workplace safety and employee well-being, but they do not replace the necessity for adequate insurance coverage which acts as a financial safety net for both employers and employees in the event of workplace incidents.