A medical-only claim is defined as which of the following?

• A. An Injury Requiring First Aid Treatment Only
• B. An Injury Requiring One Doctor Visit and On Follow Up Visit
• C. An Injury With No Indemnity Payments
• D. An Injury With No Compensable Lost Time, But Results In Medical Treatment Beyond First Aid

Answer: (D)

Medical-only claims are those where the injury requires medical treatment beyond first aid, but does not involve any wage-replacement payments because there is no compensable lost time. In other words, you get medical care beyond basic first aid, yet you don’t miss work in a way that triggers indemnity benefits.

That combination is what makes the described option correct: there is no compensable lost time, but there is medical treatment beyond first aid. The other choices don’t pin down both elements together. First aid-only means no treatment beyond basic care, which wouldn’t be a medical-only claim. An injury with no indemnity payments could still involve only first aid or no medical care beyond that, so it isn’t specific enough. An injury with no indemnity payments but lacking mention of medical treatment beyond first aid also doesn’t define medical-only properly.