An employee in an unsafe building sustains a shock and files a Workers' Compensation claim. Which statement is correct about benefit rights?

• A. the employer's workers compensation carrier would be held responsible
• B. employee is not entitled to any benefits
• C. claim would go to the building owner
• D. policy would terminate

Answer: (A)

Workers’ compensation provides benefits to employees for job-related injuries through the employer’s own coverage, no matter who was at fault. When an employee is injured in an unsafe building on the job, the claim is handled by the employer’s workers’ compensation carrier, which pays for medical care and wage replacement. The building owner isn’t typically the payer for these benefits in the workers’ comp system, though there could be separate premises liability claims outside of workers’ comp. The policy staying in effect isn’t affected by a single injury; it wouldn’t terminate merely because of this incident. So the responsible party for benefits is the employer’s workers’ compensation carrier.