Which outcome is described as a penalty for failure to secure workers' compensation?

• A. Fines
• B. Criminal charges
• C. License suspension
• D. Entire compensation (indemnity and medical up to 50%)

Answer: (D)

When an employer fails to secure workers’ compensation, the law requires the employer to stand in the shoes of a covered employer and pay the benefits that would have been due. The penalty is that the uninsured employer must provide the entire compensation owed to the employee—including indemnity (wage replacement) and medical benefits—essentially the full benefit package that the employee would have received under the system (often with additional penalties or interest as allowed). This ensures the employee isn’t left without coverage and that the employer bears the financial responsibility for the failure to obtain coverage. While other enforcement tools like fines, criminal charges, or license actions can occur in some cases, the described remedy focuses on the employer’s obligation to pay the full benefits.