Certified Professional in Health Care Risk Management (CPHRM) Practice Exam

A third-party over claim refers to a situation where an employee seeks compensation or damages from a third party while also having a claim against their employer. This occurs when an employee is injured or suffers a loss due to the actions of a party other than their employer. For instance, if an employee is injured in a work-related accident caused by the negligence of another company, they may file a claim against that third party while potentially still being eligible for benefits or claims through their employer's workers’ compensation insurance. Choosing this option indicates an understanding of how liability and compensation can overlap in workplace incidents, distinguishing situations where multiple parties may be responsible for the employee's injury. This is crucial in risk management as it helps organizations assess their exposure to claims and navigate the complexities of worker versus third-party claims, ensuring that all appropriate parties are held accountable.