Which statement is true about coverage under USL&H?

Which statement is true about coverage under USL&H?

• A. Coverage applies to workers performing maritime employment unless excluded
• B. Coverage applies to all workers on water regardless of exclusions
• C. Coverage only covers medical expenses
• D. Coverage is identical to general workers' compensation on land

Answer: (A)

USL&H coverage is designed for workers engaged in maritime employment on navigable waters. It applies to those performing maritime tasks, but not everyone on the water—for example, seamen on vessels are covered under the Jones Act rather than USL&H. So the statement that coverage applies to workers performing maritime employment unless excluded captures the essence: coverage exists for maritime workers, with specific exclusions. It’s not automatic for all water workers, it isn’t limited to medical expenses only, and it isn’t identical to general workers’ compensation on land.

USL&H coverage is designed for workers engaged in maritime employment on navigable waters. It applies to those performing maritime tasks, but not everyone on the water—for example, seamen on vessels are covered under the Jones Act rather than USL&H. So the statement that coverage applies to workers performing maritime employment unless excluded captures the essence: coverage exists for maritime workers, with specific exclusions. It’s not automatic for all water workers, it isn’t limited to medical expenses only, and it isn’t identical to general workers’ compensation on land.