Volunteers are not covered unless the NPO adopts coverage.

Volunteers are not covered unless the NPO adopts coverage.

• A. Volunteers are automatically covered.
• B. Volunteers are never covered.
• C. Volunteers are covered only if the organization is insured.
• D. Volunteers are not covered unless the NPO adopts coverage.

Answer: (D)

Volunteers’ coverage under workers’ compensation is not automatic for nonprofits. In California, an NPO must affirmatively adopt or elect coverage for volunteers to be included in the organization’s workers’ compensation program. Without that adoption, volunteers aren’t covered by the plan, so injuries would not qualify for workers’ comp benefits through the nonprofit. This is why the correct choice states that volunteers are not covered unless the NPO adopts coverage. The other options imply automatic or universal coverage or condition it on being insured in general, which isn’t how voluntary coverage for volunteers works.

Volunteers’ coverage under workers’ compensation is not automatic for nonprofits. In California, an NPO must affirmatively adopt or elect coverage for volunteers to be included in the organization’s workers’ compensation program. Without that adoption, volunteers aren’t covered by the plan, so injuries would not qualify for workers’ comp benefits through the nonprofit. This is why the correct choice states that volunteers are not covered unless the NPO adopts coverage. The other options imply automatic or universal coverage or condition it on being insured in general, which isn’t how voluntary coverage for volunteers works.