Arizona Life and Health Practice Exam

Which of the following causes of disability is not covered under Arizona workers compensation laws?

1. Physical injuries sustained at the workplace

2. Occupational diseases

3. Intentional, self-inflicted injuries that occur at the workplace

4. Injuries sustained while commuting to work

The correct answer is: Intentional, self-inflicted injuries that occur at the workplace

In Arizona, workers' compensation laws are designed to provide benefits for employees who suffer from work-related injuries and illnesses. This includes coverage for physical injuries that occur on the job and occupational diseases that arise due to working conditions or job responsibilities. Intentional, self-inflicted injuries that occur at the workplace, however, are excluded from coverage under workers' compensation laws. The rationale behind this exclusion is that workers' compensation is intended to support employees who suffer unforeseen and accidental injuries related to their work duties. When an injury is self-inflicted intentionally, it indicates a choice made by the individual rather than an accident or incident arising from the work environment. In addition, while injuries sustained while commuting to work are typically not covered, it is important to understand that they fall outside the scope of typical work-related injuries as defined by workers' compensation statutes, which focus on incidents occurring during work duties. The coverage is specific to injuries that are directly associated with the working environment and conditions, reinforcing why intentional self-inflicted injuries are not eligible for benefits.