Endorsements can modify a WC&EL policy to provide coverage for what?

• A. Wage replacement at 100 percent of original wages
• B. Employees for non-occupational injury
• C. Employees for non-occupational disease
• D. Liability under federal statutes

Answer: (D)

Endorsements to a WC&EL policy broaden what the policy covers beyond the basics of state workers’ compensation. A common and important use is to provide coverage for liability that arises under federal statutes. Some workers—such as railroad, maritime, or longshore workers—are governed by federal laws (like FELA or the Jones Act), which create liabilities outside the typical state workers’ compensation system. An endorsement adds coverage so these federal claims are handled under the policy rather than being left uninsured. The other options don’t fit this purpose: wage replacement levels are dictated by the workers’ comp statute and aren’t what endorsements are added to change, and coverage for non-occupational injuries or diseases is not the usual function of a WC&EL endorsement.