Other Than Life (OTL) Practice Exam

In the case of a workplace injury with no lawsuit, what could an employee receive?

1. Employer's liability

2. Personal liability

3. Voluntary compensation

4. Bodily injury liability

The correct answer is: Voluntary compensation

In the context of a workplace injury where no lawsuit is involved, the employee could receive voluntary compensation. This type of compensation is typically offered by employers who choose to provide additional support to injured employees, even outside of legal obligations. It is designed to cover lost wages and medical expenses related to the injury, reflecting a commitment to employee welfare beyond what is legally required. Employer's liability usually relates to situations where an employee files a lawsuit against the employer for negligence, which is not applicable in this scenario. Personal liability refers to an individual's responsibility for their actions and would not be relevant in the context of workplace injuries. Bodily injury liability typically pertains to insurance coverage for injuries caused to others, not compensation for an injured employee. Thus, voluntary compensation should be considered the appropriate option in this context.