Florida Insurance Claims Adjuster License Practice Exam

Are an employee's funeral expenses covered under the company's CGL Medical Payments if the employee dies three months after getting hurt on the insured's premises?

1. Yes, the claim was made within one year time period

2. No, the claim was filed too late

3. Yes, the employee is automatically covered

4. No, employees are not covered for Med Pay

The correct answer is: No, employees are not covered for Med Pay

This is because Med Pay typically covers medical expenses incurred by third parties due to accidents on the insured's premises, not for expenses related to employees. Therefore, the employee's funeral expenses would not be covered under the CGL Medical Payments. Choices A and B are irrelevant because they pertain to the time period for filing a claim, which is not the main issue here. Choice C also does not apply as Med Pay does not automatically cover employees in this scenario.