Michigan Nursing Home Administrator (NHA) Practice Exam

Which of the following is the only remedy for workers injured or disabled during their employment?

1. Compensation from the employer

2. Worker's Compensation

3. Insurance payout

4. Legal restitution

The correct answer is: Worker's Compensation

The correct answer is Worker's Compensation because this system provides a structured framework for addressing injuries or disabilities that occur in the course of employment. Worker’s compensation is designed to ensure that employees receive financial assistance and medical care without having to prove fault or sue their employer. It covers medical bills, rehabilitation costs, and provides a portion of lost wages during recovery. In this system, workers typically give up the right to sue their employer in exchange for these guaranteed benefits. This trade-off helps to maintain a streamlined process and reduces the burden on the legal system. The focus of worker's compensation is to assist employees in returning to work as soon as possible, while also protecting employers from potentially costly lawsuits. The other options, while related to employee protections and benefits, do not serve as the sole remedy for workplace-related injuries. Compensation from the employer can vary and may not be guaranteed, insurance payout may depend on the type of policy, and legal restitution involves a more complex process that can lead to lengthy court battles, which is not the immediate remedy worker's compensation provides.