What does being a beneficiary in a workers' compensation plan indicate about consumer status?

Being a beneficiary in a workers' compensation plan indicates that although an individual can receive benefits under the policy, it does not automatically mean that the individual is considered a consumer of the licensee. The term 'consumer' typically refers to someone who actively purchases or engages in a transaction with a service provider, such as an insurance company or adjuster. In the context of workers' compensation, the insurer’s direct relationship is typically with the employer, who purchases the policy, rather than with the beneficiaries who may receive benefits.

Thus, while a beneficiary has the right to receive benefits, this status does not give them the same standing as a consumer in terms of rights and responsibilities concerning the licensee. This distinction is crucial in understanding the broader implications of the relationship between beneficiaries, insurers, and the obligations of those providing the insurance services.