Question

1. List and describe the types of claims in state workers’ compensation programs. Is there redundancy with employer-sponsored private insurance? Explain your answer.
2. Under what circumstances should employees be ineligible for public or private disability and life benefits? Discuss the rationale for your answer. Are the expenses associated with providing public and private programs serving the best interests of society?

Answer 1

List and describe the types of claims in state workers’ compensation programs. Is there redundancy with employer-sponsored private insurance? Explain your answer.

Employees can make three kinds of claims for workers’ compensation benefits

Injury claim, usually defined as a claim for a disability that has resulted from an accident during the course of fulfilling work duties, such as a fall, an injury from equipment use, or a physical strain from heavy lifting

Occupational disease claim, results from a disability caused by an ailment associated with a particular industrial trade or process. Generally, the following occupational diseases are covered under workers’ compensation programs:

Pneumoconioses, which are associated with exposure to dusts

Silicosis from exposure to silica

Asbestos

Radiation illness

Death claim, asks for compensation for a death that occurs in the course of employment or is caused by compensable injuries or occupational diseases

Employer-sponsored disability insurance typically takes two forms.

Short-term disability insurance provides benefits for limited periods of time, usually less than six months.

Usually consider disability as an inability to perform any and every duty of one’s occupation.

Long-term disability insurance provides benefits for extended periods of time anywhere between six months and life

Inability to engage in any occupation for which the individual is qualified by reason of training, education, or experience.

Both short-term and long-term disability plans may duplicate public disability benefits mandated by Social Security Act and state workers’ compensation laws. These company-sponsored plans generally supplement legally-required benefits. Employer-sponsored plans do not replace disability benefits mandated by law.

Under what circumstances should employees be ineligible for public or private disability and life benefits? Discuss the rationale for your answer. Are the expenses associated with providing public and private programs serving the best interests of society?

Employees should be eligible for public or private disability and life benefits under most circumstances. One might argue that an employee whose family posses the financial resources to support himself or herself might be considered ineligible for a short-term disability.

Expenses associated with providing public and private programs serves the best interest of society since disabilities of any kind can be devastating to workers and their dependence, especially when they do not have sufficient financial resources to support themselves.

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