How does the "second injury rule" benefit employees?

The second injury rule is designed to benefit employees by providing additional benefits when a worker suffers a subsequent injury that combines with a prior, existing disability or injury, resulting in a greater overall impairment. This rule acknowledges that if an employee already has a physical limitation due to a previous injury, any new injury may lead to more significant challenges in terms of earning capacity and may worsen the overall impact on the employee's ability to work.

By recognizing the cumulative effects of multiple injuries, the second injury rule ensures that employees are not penalized for having pre-existing conditions when they sustain new work-related injuries. This principle is critical in promoting fair compensation and ensuring that employees who might otherwise face difficult circumstances due to their combined injuries receive adequate support and benefits.

Other options, while relevant to the topic of workers' compensation, do not capture the essence of the second injury rule. Doubling compensation for the first injury or limiting employer liability are not consistent with the purpose of the rule. Likewise, the requirement for immediate payment by insurance companies does not pertain to the intent behind protecting workers with prior injuries.