An employee is injured working for an employer who illegally has no workers' compensation insurance and refuses or is unable to pay benefits. Which California program pays the injured worker?
a.The California FAIR Plan
b.The California Insurance Guarantee Association (CIGA)
c.California State Disability Insurance (SDI)
d.The Uninsured Employers Benefits Trust Fund (UEBTF)
Explanation
The Uninsured Employers Benefits Trust Fund, administered by the Division of Workers' Compensation under Labor Code §3716, is a state safety net that pays workers' compensation benefits when an illegally uninsured employer cannot or will not pay. The UEBTF then pursues the uninsured employer to recover what it paid out.
Law Reference: Cal. Labor Code §3716 (UEBTF)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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Related questions on this topic
- A licensed general contractor hires an unlicensed framer who has no workers' compensation insurance, and the framer is injured on the job. Who is most likely responsible for providing workers' compensation benefits?
- What does an employer's Experience Modification Factor (X-Mod) measure for workers' compensation purposes?
- An employee is injured at work when a delivery driver from an unrelated company runs a red light and hits him. The WC insurer pays his medical bills and disability. What right does the insurer have against the at-fault driver?
- An injured worker reaches maximal medical improvement with permanent restrictions and the pre-injury employer cannot offer modified or alternate work. What benefit is the worker generally entitled to?
- Workers compensation insurance operates on the principle that benefits for a covered work-related injury are paid:
- Which of the following benefits is NOT typically provided by workers compensation insurance?
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