Which of the following injuries would qualify as compensable under Workers' Compensation insurance?

Prepare for the New York Independent General Adjuster Exam. Practice with flashcards and multiple choice questions, each question offers hints and explanations. Excel on your exam!

To determine which injury is compensable under Workers' Compensation insurance, the nature of the injury and the circumstances that led to it are particularly relevant.

In the case of Anna, she experienced a wrist injury while engaging in an activity associated with her childcare responsibilities. As a babysitter, being involved in physical play is often part of the job, and injuries sustained while performing work-related duties can typically be covered. This incident occurred during the course of her employment—playing baseball with a child is a reasonable extension of her childcare responsibilities. Therefore, it qualifies for Workers' Compensation because it directly relates to her job duties.

The other situations presented—emotional damage due to supervisor mistreatment, a fall that occurred while showing a property, and an injury inflicted by another employee due to personal insults—are less likely to qualify. Emotional injuries generally require a direct connection to a physical injury for compensation under Workers' Compensation. The fall while showing a property may not be considered work-related depending on circumstances, and the issue with the concussion relates to interpersonal conflict rather than work performance or duties.

Thus, Anna's injury stands out as compensable as it directly links to her role and the activities she engaged in as part of her job.

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