Alabama Insurance Adjuster Practice Exam

What kind of disability benefits will Brian likely receive after becoming permanently deaf due to a workplace accident?

1. Temporary total disability benefits

2. Permanent total disability benefits

3. Permanent partial disability benefits

4. Vocational rehabilitation benefits

The correct answer is: Permanent total disability benefits

The correct answer is that Brian will likely receive permanent total disability benefits due to becoming permanently deaf from a workplace accident. Permanent total disability benefits are designed to provide financial support to individuals who have sustained an injury that completely and permanently incapacitates them from performing any form of work. In this case, permanent deafness may significantly hinder Brian's ability to engage in certain types of employment or communicate effectively in the workplace, which can lead to a total inability to work. These benefits are aimed at compensating individuals for their loss of income and assist with their living expenses, recognizing that their ability to earn a livelihood has been permanently diminished. On the other hand, temporary total disability benefits would not apply here, as they provide support only during a limited period of recovery before the individual can return to work. Permanent partial disability benefits relate to situations where the individual can still engage in some form of work, albeit at a reduced capacity, which does not apply in this case. Vocational rehabilitation benefits are meant to help individuals re-enter the workforce but would typically be pursued by those who are expected to work again in some capacity after a temporary or partial disability. Since Brian's condition is permanent and total, the most appropriate classification of benefits is permanent total disability.