California Life and Health Insurance Practice Exam

How long are disabled workers covered under Workers' Compensation medical expense benefits?

1. No limit

2. One year

3. Three years

4. Until retirement

The correct answer is: No limit

Disabled workers are covered under Workers' Compensation medical expense benefits for as long as necessary for their recovery and treatment. This means that there is no specific time limit imposed on the duration of medical expense benefits as long as the treatment is deemed reasonable and necessary for the employee’s recovery from a work-related injury or illness. The coverage continues until the medical provider determines that the worker has reached maximum medical improvement, which is the point at which further treatment is not expected to provide any significant benefit. It's essential for workers to have access to these extended benefits to ensure they receive the appropriate care needed to recover fully from their injuries.