a 24. Which of the following is true regarding Workers' Compensation benefits? a. Some states limit medical expense benefits per injury. b. The amount of compensation for non-scheduled injuries is fixed without reference to the actual influence the injury has on an employee's earning capacity. c. Benefits are taxable income to the recipient under federal income tax law. d. None of the above are true. 25. In nearly every state, employers a. Have the option to provide workers' compensation benefits. b. Must provide workers' compensation benefits. c. Must purchase a workers' compensation insurance policy from a commercial insurance company. d. b. and c. are correct. e. None of the above. 26. Which of the following is false regarding workers compensation coverage? a. An employee is covered while in a parking lot leased by the employer for the employee's use. b. An employee is covered while performing overtime work undertaken voluntarily for the benefit of the employer. c. If an employee is suffering from a non-employment related preexisting condition and sustains an injury which aggravates this condition, the employer nevertheless is fully liable for the ensuring liability. d. An employee is covered while on her lunch break, outside the employer's premises. e. An employee is covered while driving home from work in a company car which he or she is required by the employer to garage at home. 27. Employers can reduce the cost of workers' compensation by doing the following: a. Having a proactive safety program that reduces workplace injuries. b. Seeking competitive bids from insurance companies or TPAs. c. Actively managing claims by disputing fraudulent claims and rehabilitating injured workers so that they can return to work. d. All of the above. e. None of the above. 28. State Workers' Compensation funds a. Exist in slightly over one-half of the states. b. Are monopolistic in all states where they exist. c. Compete with private insurers in all state where they exist. d. Are monopolistic in some states and compete with private insurers in other states. e. None of the above