Which party determines the benefits under a workers' compensation arrangement according to the material?

Which party determines the benefits under a workers' compensation arrangement according to the material?

• A. Employer chooses all benefits on behalf of the employee
• B. Employee chooses benefits
• C. Benefits are fixed by federal guidelines
• D. Benefits are determined by the insurer's discretion

Answer: (B)

The main idea is that the person injured has the authority to select the benefits they will receive within the workers’ compensation program. The material presents the worker as choosing the options that best fit their needs—within the framework of the plan and applicable law. This matters because it places the decision in the employee’s hands rather than having the employer unilaterally set all benefits, or benefits being fixed by federal rules, or left entirely to the insurer’s discretion. The employer provides the coverage and the insurer administers the claim, but the actual selection of benefits—such as which medical treatments or types of compensation to pursue—stems from the employee’s choices within the plan’s options.

The main idea is that the person injured has the authority to select the benefits they will receive within the workers’ compensation program. The material presents the worker as choosing the options that best fit their needs—within the framework of the plan and applicable law.

This matters because it places the decision in the employee’s hands rather than having the employer unilaterally set all benefits, or benefits being fixed by federal rules, or left entirely to the insurer’s discretion. The employer provides the coverage and the insurer administers the claim, but the actual selection of benefits—such as which medical treatments or types of compensation to pursue—stems from the employee’s choices within the plan’s options.