Which of the following injuries may not qualify for workers' compensation benefits?

Prepare for the Oklahoma Insurance Adjuster's License Exam. Study with multiple choice questions, each with detailed explanations. Get exam-ready!

In the context of workers' compensation benefits, injuries that occur while commuting to work generally do not qualify for coverage under most circumstances. This principle is often referred to as the "going and coming rule," which states that employees are not considered to be in the course of their employment when they are traveling to or from their place of work.

This rule supports the idea that the risk of injury during commuting is not a risk associated with the employment itself but rather a personal risk that is not covered. The worker is not engaged in job duties, nor are they on company property during this time. Therefore, an injury sustained during the commute falls outside the realm of work-related injuries that are eligible for workers' compensation benefits.

In contrast, injuries sustained while performing work duties or those that occur from a workplace accident are typically covered because they happen while the employee is actively engaged in their work responsibilities. Similarly, injuries sustained during a lunch break may qualify for benefits if the break occurs on the employer's property or is part of the employee's work routine, as it can be considered an extension of work. However, commuting to work does not share these characteristics, leading to the conclusion that these injuries generally do not qualify for benefits.

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