Compensación al TrabajadorPregunta 500 de 531
In a jurisdiction served by a monopolistic state fund, an employer needing workers compensation coverage:
a.Buys the statutory coverage from that fund
b.Chooses freely among competing private insurers
c.Is excused from providing compensation benefits
d.Pays the benefits directly out of its own payroll
Explicación
A monopolistic fund is the sole source of statutory coverage in its jurisdiction, so private carriers may not write that coverage there and the employer has no choice of insurer. Employers liability is generally not part of what such a fund sells, which is why a stop-gap endorsement is added to another policy to fill the gap. The employer is not excused from the benefit obligation and does not simply pay claims out of payroll.
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