Ace the Florida Insurance Claims Adjuster Test 2025 – Jumpstart Your Adjusting Adventure!

Question: 1 / 400

A Florida employee was sent to Boston to work for one week. While in Boston, they were injured on the job. How is the injury covered under WC benefits?

The injury is covered under Florida's WC law

The correct answer is that the injury is covered under Florida's workers' compensation (WC) law. This is based on the principle that employees are generally considered to remain under the jurisdiction of their home state’s workers' compensation laws when they are temporarily assigned to another state for work purposes.

In this scenario, since the employee is based in Florida and only temporarily assigned to Boston for one week, the Florida workers' compensation law applies. This means that the employee's injury will be addressed under Florida's WC regulations, which provide certain benefits and protections.

While Massachusetts has its own workers' compensation system, the fact that the employee is a Florida resident and primarily works in Florida means that Florida's laws govern the situation. Thus, the coverage remains with the home state's laws despite the temporary location of the work-related injury.

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There is no coverage under either state law

The injury is covered under Massachusetts WC law

None of the above

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