West Virginia Adjusters Practice Exam

What type of disability benefit starts after an employee is unable to work for three days?

1. Permanent Partial Disability

2. Permanent Total Disability

3. Temporary Partial Disability

4. Temporary Total Disability

The correct answer is: Permanent Partial Disability

The correct type of disability benefit that starts after an employee is unable to work for three days is Temporary Total Disability. This type of benefit is designed to provide financial support when an employee is temporarily unable to perform their work duties due to a medical condition or injury. Typically, there is a waiting period, often referred to as the "elimination period," which is commonly three days in many states, during which benefits do not accrue. After this waiting period, the employee becomes eligible to receive benefits reflecting their loss of income. Permanent Partial Disability refers to a long-term impairment that affects an individual's ability to perform specific functions or tasks but does not eliminate their capacity to work altogether. Permanent Total Disability is for individuals who are completely unable to work indefinitely due to their condition and does not apply in cases where the individual is expected to recover enough to return to work. Temporary Partial Disability would apply when an employee can return to work but with some restrictions, earning less than their previous wage. Therefore, the benefit that starts after the specified three-day waiting period aligns with Temporary Total Disability.