Certified Medical Assistant Practice Exam

Which type of insurance would cover the medical expenses of an employee injured on the job?

1. Disability insurance

2. Medicare

3. Worker's compensation

4. COBRA insurance

The correct answer is: Worker's compensation

Worker's compensation is the type of insurance that specifically covers medical expenses and related costs for employees who are injured while performing their job duties. It serves as a safety net, providing benefits to employees for medical treatments, rehabilitation costs, and lost wages due to an injury sustained in the workplace. This type of insurance is typically mandated by law in many jurisdictions to ensure that workers are protected in case of work-related injuries. Disability insurance primarily offers income replacement when an employee is unable to work due to a non-work-related illness or injury, rather than covering medical expenses from job-related incidents. Medicare is a federal health insurance program primarily for individuals aged 65 and older, and it does not provide coverage for work-related injuries. COBRA insurance allows individuals to continue their health insurance coverage after leaving a job, but it does not specifically cover medical expenses resulting from workplace injuries. Therefore, worker's compensation is the correct answer, as it directly addresses the medical expenses arising from work-related injuries.