Alabama Insurance Adjuster Practice Exam

Which of the following would NOT qualify as an "injury" under workers' compensation insurance?

1. Injuries sustained during breaks

2. Depression due to job dissatisfaction

3. Injuries due to accidents on the job

4. Illnesses resulting from hazardous workplace conditions

The correct answer is: Depression due to job dissatisfaction

Under workers' compensation insurance, an "injury" is typically defined as a physical injury or a condition that arises out of and in the course of employment. The correct answer highlights that depression resulting from job dissatisfaction would not qualify as an "injury" within the framework of workers' compensation. Workers' compensation is designed to cover physical injuries and certain types of psychological injuries that are directly linked to specific incidents or observable conditions in the workplace. While mental health issues can be compensable if they result from a work-related injury or traumatic event, general feelings of dissatisfaction at work do not meet the criteria required to claim benefits through workers' compensation. In contrast, injuries sustained during breaks, accidents on the job, and illnesses resulting from hazardous workplace conditions are all situations that arise from the employment environment and typically qualify as compensable injuries. Breaks are often covered if they maintain the employee’s connection to their work, accidents on the job are the primary reason for workers' compensation coverage, and illnesses related to hazardous workplace conditions recognize the employer's responsibility to provide a safe working environment.