West Virginia Adjusters Practice Exam

Which of the following rehabilitation services would be least likely to be covered under workers' compensation insurance?

1. Occupational therapy

2. Physical therapy

3. Tuition waivers for post-graduate education

4. Vocational rehabilitation

The correct answer is: Occupational therapy

The option indicating tuition waivers for post-graduate education is the least likely to be covered under workers' compensation insurance. Workers' compensation is designed to provide benefits for medical treatment and rehabilitation services that aid in recovery from a work-related injury or illness. This includes essential rehabilitative services like physical therapy, occupational therapy, and vocational rehabilitation, which focus on helping an injured worker regain their ability to work or perform daily activities. Tuition waivers for post-graduate education, however, extend beyond the immediate scope of rehabilitation related to an injury. Such educational benefits are generally not part of the workers' compensation framework, which is primarily concerned with medical care and support services that directly address work-related conditions. Therefore, while the other rehabilitation services are integral to the recovery process, tuition waivers do not fit within the traditional coverage of workers' compensation insurance.