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Bharti's main argument is, if more people are unemployed, more people will be unable to buy health insurance.

(A) In addition to carrying worker’s compensation insurance, most employers in the state also provide health insurance for full-time employees.
- Employers here dont even want to give worker's compensation, health insurance is out of scope.

(B) Patients without health insurance and who have no money typically receive inferior treatment at hospital emergency rooms.
- Quality of treatment doesn't has no effect on whether employers should give insurance or not.

(C) People are statistically more likely to sustain debilitating injuries at the workplace than elsewhere.
- If people are not employed they will be less likely to be injured with debilitating injuries. This disqualifies Bharti's argument of unemployed people unable to buy health insurance.

(D) The state agency that compensates injured workers under the current insurance scheme is financially able to pay all foreseeable claims.
- This doesn't counter Bharti's claim.

(E) Many workers file fraudulent worker’s compensation claims, and state regulators often fail to detect such fraud.
- unrelated

Answer (C)
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Bunuel
­Justin: Under current state law, employers must provide worker’s compensation insurance, which provides income to employees who cannot work due to injuries sustained at the workplace, to all full-time employees. This form of insurance is vital in protecting workers from financial ruin in the event they are suddenly unable to work.

Bharti: I disagree with your assessment. The high premiums employers are forced to pay for worker’s compensation insurance force many of them out of business, thereby serving to increase the state’s unemployment rate. Since unemployed people are statistically unlikely to carry health insurance, the state-mandated worker’s compensation scheme actually renders workers more vulnerable to financial devastation in the event of bodily injury.

Which of the following, if true, should Justin cite in order to respond most effectively to Bharti’s counterargument?

(A) In addition to carrying worker’s compensation insurance, most employers in the state also provide health insurance for full-time employees.

(B) Patients without health insurance and who have no money typically receive inferior treatment at hospital emergency rooms.

(C) People are statistically more likely to sustain debilitating injuries at the workplace than elsewhere.

(D) The state agency that compensates injured workers under the current insurance scheme is financially able to pay all foreseeable claims.

(E) Many workers file fraudulent worker’s compensation claims, and state regulators often fail to detect such fraud.

­

OFFICIAL EXPLANATION



The correct answer is (C).

The less likely it is that a person will sustain an injury somewhere other than the workplace, the lower the person’s risk of incurring medical expenses for such injuries. Thus, choice (C), if true, helps to refute Bharti’s argument that the worker’s compensation scheme actually puts workers at greater risk of financial hardship.­
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